Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to report continued inaccurate and unauthorized credit reporting that has not been resolved despite prior disputes. The credit reporting agencies and furnishers listed below have failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act, 15 U.S.C. 1681, 1681b, and 1681i. These items remain on my credit report after dispute and reinvestigation attempts, indicating non-compliance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX reported on my credit file is not my address. I have no knowledge of this address and have never lived at this location. This incorrect address must be removed from my credit file. 
XXXX  account number XXXXXXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is being reported as a charge-off. I have no knowledge of this account and it is not mine. If you can not provide full contractual verification, this account must be removed from my credit file. 
XXXX account number XXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is inaccurately reporting late payments. I have never been late on this account. The payment history is inaccurate and must be corrected to reflect accurate and timely payments. 
XXXX XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is listed as a charge-off. I have no knowledge of this account and do not recognize it. This account is unverified and must be deleted unless proper verification is produced. 
XXXX account number XXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is reported as a charge-off. I have no knowledge of this account and it does not belong to me. This account is being disputed as not mine and must be removed if it can not be fully verified. 
XXXX XXXX account number XXXXXXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is inaccurately showing late payment history. I have never made a late payment on this account. The reporting is incorrect and I am requesting correction of the payment history only. 
XXXX XXXX account number XXXXXXXX XXXX with a reported date opened of XX/XX/XXXX is inaccurately reporting late payment history. I have never made a late payment on this account. The payment history is incorrect and I am disputing the inaccurate late payment reporting only. I am requesting correction of the payment history to accurately reflect on-time payments. 
XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is reported as a collection. I have no knowledge of this account and have never entered into any agreement related to it. This account is disputed as not mine and must be deleted if it can not be fully verified. 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX  * with a reported date opened of XX/XX/XXXX is being reported as a collection account. I have no knowledge of this account and do not recognize it. This account is inaccurate and must be removed unless legally sufficient verification is provided. 
XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is being reported as a collection. I have no knowledge of this account and have never entered into any agreement related to it. This account is disputed as not mine and must be deleted if it can not be fully verified. 
XXXX inquiry dated XX/XX/XXXX was not authorized by me. This inquiry must be deleted. 
XXXX inquiry dated XX/XX/XXXX was not authorized by me and lacks permissible purpose. Removal is required. 
XXXX inquiry dated XX/XX/XXXX was not authorized by me. This inquiry must be deleted. 
XXXX inquiry dated XX/XX/XXXX was not authorized by me and must be removed. 
XXXX XXXX XXXX inquiry dated XX/XX/XXXX was not authorized by me. I did not request credit. This inquiry must be deleted. 
The continued reporting of these collection accounts and inquiries without proper verification or permissible purpose demonstrates a failure to comply with the Fair Credit Reporting Act. I am requesting that CFPB require the credit reporting agencies and furnishers involved to correct or delete these items immediately and provide written confirmation of compliance.

Company response to consumer: Closed with non-monetary relief