Consumer complaint received 2025-10-23 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:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate and unauthorized items reported on my credit report by [ Insert Credit Bureau ( s ) ]. These items are incorrect, misleading, and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which mandates that all information in a consumer report be accurate, complete, and verifiable. Section 623 ( a ) ( 1 ) of the FCRA requires furnishers to provide accurate information to credit reporting agencies. I request an immediate investigation and correction or deletion of the following items associated with my account ( s ) : Wrong Address Listings : XXXX XXXXXXXX XXXX  TX XXXX This address is incorrectly reported and not associated with me ; XXXXXXXX XXXX XXXX, TX XXXX This address is incorrectly attributed to me. Reporting inaccurate addresses creates false assumptions of residency and impacts my creditworthiness. 
XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00}, Listed as Late Payment This late payment notation is incorrect. I have never missed or made a late payment on this account. Reporting false late payments is a direct violation of FCRA 623 ( a

) ( 1 ) ( A ) requiring accurate furnishing of payment history. I demand correction of this inaccurate late payment record. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00}, Listed as Charge-Off I have no knowledge of this account. I never authorized, applied for, or used this account. Reporting a charge-off for an account I do not recognize is fraudulent and violates FCRA 609 ( a ) ( 1 ). I request immediate deletion of this entry. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$430.00}, Charge-Off I dispute this charge-off. I have no knowledge or record of this account. It is being reported without validation, which constitutes inaccurate and misleading information under FCRA 1681s-2 ( b ). Immediate deletion is requested. 
XXXX XXXXXXXX XXXX Opened XX/XX/XXXX, Balance {$120.00}, Charge-Off I do not recognize this account. Reporting as a charge-off is false, and I request its deletion pursuant to FCRA requirements. 
XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$5500.00}, Listed as Late Payment The late payment status is incorrect. I have consistently made on-time payments. Misreporting late payments is a direct violation of the FCRA, and I demand correction of this account history to reflect accurate payments. 
XXXX XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$1500.00}, Charge-Off I dispute this charge-off. I never received notices of default or authorization for this account. Reporting this charge-off is misleading, and I request deletion in accordance with FCRA XXXX ( a ). 
XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX, Balance {$1100.00}, Charge-Off I have no knowledge of this account. XXXX it as a charge-off is inaccurate and misleading. XXXX deletion is requested. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00}, Charge-Off This account is inaccurately reported. I request deletion under FCRA requirements. 
XXXX XXXXXXXX XXXX Opened XX/XX/XXXX, Balance {$0.00}, Listed as Late Payment This account has never had a late payment. The current reporting is false and must be corrected to accurately reflect my payment history. 
XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$5500.00}, Listed as Late Payment Reporting is inaccurate. I have consistently paid on time. I request correction of this record. 
XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$1700.00}, Listed as Late Payment This late payment is incorrect. I have consistently paid on time. Misreporting late payments violates FCRA 623 ( a ) ( 1 ) ( A ). Correction of this account is required. 
XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX, Balance {$2200.00}, Charge-Off I have no knowledge of this account. Reporting a charge-off for an account I do not recognize is fraudulent. Immediate deletion is requested under FCRA 609 ( a ) ( 1 ). 
XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$0.00}, Listed as Late Payment This reporting is false. I have never made a late payment on this account. Correction is required. 
XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$7100.00}, Listed as Late Payment Payment history is accurate and has no late payments. Current reporting is false and must be corrected. 
XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$6600.00}, Listed as Late Payment Reporting of late payments is inaccurate. I demand correction of this record. 
XXXX XXXX XXXX * Opened XX/XX/XXXX, Balance {$15000.00}, Listed as Late Payment This late payment is incorrectly reported. I have consistently paid on time. Correction is required under FCRA 623 ( a ) ( 1 ). 
XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX, XXXX {$0.00}, XXXX I have no knowledge of this account. Reporting it as a charge-off is inaccurate and misleading. XXXX deletion is requested. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$9800.00}, Listed as Late Payment This reporting is false. I demand correction of my accurate payment history. 
XXXX XXXX XXXX * Opened XX/XX/XXXX, Balance {$12000.00}, Listed as Late Payment The late payment status is incorrect. XXXX correction is required. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$810.00}, XXXX I have no knowledge of this account. Reporting a charge-off without verification is misleading. XXXX deletion is requested. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$11000.00}, Charge-Off I dispute this account as I have no record or knowledge of it. Reporting it as a charge-off violates FCRA XXXX ( a ) ( XXXX ). Deletion is required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$24000.00}, Listed as Late Payment Reporting of late payments is inaccurate. I demand correction of this account to reflect accurate payment history. 
XXXX XXXX * Opened XX/XX/XXXX, Balance {$0.00}, Charge-Off I have no knowledge of this account. Reporting it as a charge-off is false and misleading. Immediate deletion is requested. 
XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$3900.00}, Listed as Late Payment This late payment is incorrect. I have consistently paid on time. Misreporting late payments violates FCRA 623 ( a ) ( 1 ) ( A ). Correction is required. 
XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00}, Listed as Late Payment This reporting is false. I have never missed a payment on this account. Correction is required. 
XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00}, Listed as Late Payment Reporting a late payment is inaccurate. I demand correction of this account to reflect accurate payment history. 
XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$3300.00}, Listed as Late Payment Payment history is accurate and has no late payments. Current reporting is false and must be corrected. 
XXXX XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX, Balance {$8800.00}, Listed as Late Payment This reporting is false. I have always made timely payments. Correction is required under FCRA 623 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$520.00}, Collection I have no knowledge or record of this account. Reporting it as a collection is inaccurate and misleading. Immediate deletion is requested pursuant to FCRA 609 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX, Balance {$130.00}, Collection I dispute this account as I have no knowledge of it. Listing it as a collection is false. Immediate deletion is required. 
XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX, Balance {$290.00}, Collection I have no knowledge of this account. Reporting it as a collection is false and misleading. Deletion is required under FCRA 609 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance {$660.00}, Collection This account is not recognized by me. Reporting it as a collection is inaccurate and must be removed. 
XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$480.00}, Collection I have no knowledge or record of this account. XXXX it as a collection is false. Immediate deletion is requested. 
XXXX XXXX XXXXXXXX Opened XX/XX/XXXX, Balance {$1300.00}, Collection I do not recognize this account. Reporting it as a collection violates the FCRA. Immediate deletion is required. 
XXXX XXXX XXXXXXXX Opened XX/XX/XXXX, Balance {$680.00}, Collection I have no knowledge of this account. Reporting it as a collection is inaccurate and misleading. Immediate deletion is requested pursuant to FCRA 609 ( a ) ( 1 ). 
XXXX XXXX XXXXXXXX Opened XX/XX/XXXX, Balance {$67.00}, Collection I do not recognize this account. Reporting it as a collection is false. Immediate deletion is required. 
XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$630.00}, Collection I have no knowledge of this account. Reporting it as a collection is inaccurate and misleading. Immediate deletion is requested. 
XXXX XXXX Opened XX/XX/XXXX, Balance {$6800.00}, Collection I have no knowledge of this account. XXXX it as a collection is misleading. XXXX deletion is requested. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX, Balance {$1300.00}, Collection I do not recognize this account. Reporting it as a collection is false. Immediate deletion is required. 
XXXX XXXX XXXX XXXXXX/XX/XXXX, Inquiry This inquiry was not authorized by me. I request immediate removal. 
XXXX XXXX XXXX XX/XX/XXXX, Inquiry I did not authorize this inquiry. Immediate removal is required. 
XXXX XXXX XXXX XXXXXX/XX/XXXX, Inquiry Unauthorized inquiry. Reporting it violates FCRA 604 ( a ) ( 3 ). I demand deletion. 
AXXXX XXXX XXXXXX/XX/XXXX, Inquiry I did not authorize this inquiry. Immediate removal from my credit report is requested. 
XXXX XXXX XXXXXX/XX/XXXX, Inquiry This inquiry is unauthorized and must be removed immediately. 
XXXX XXXX XX/XX/XXXX, Inquiry Unauthorized inquiry. I demand removal from my credit report pursuant to FCRA 604 ( a ) ( 3 ). 
XXXX XXXX XXXX XX/XX/XXXX, Inquiry I did not authorize this inquiry. Immediate deletion is requested.

Each of the above items materially impacts my credit profile and constitutes a violation of the FCRA. I demand that these items be fully investigated and either corrected or permanently deleted from my credit report. I request that the CFPB notify me in writing of the results of your investigation and any actions taken.

Enclosed are copies of supporting documents verifying my identity and address. I expect prompt attention to this complaint and resolution within the statutory 30-day period as mandated under 15 U.S.C. 1681i ( a ).

Company response to consumer: Closed with non-monetary relief