Consumer complaint received 2025-08-27 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 filing this complaint because my credit reports contain multiple serious inaccuracies that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These issues are not minor clerical errors but systemic failures by credit reporting agencies and furnishers to ensure maximum accuracy, to validate alleged debts, and to report truthfully. As a result, I continue to suffer financial harm, denials of credit, higher borrowing costs, and reputational damage.

Legal Protections Being Ignored FCRA 607 ( b ) requires reasonable procedures to assure maximum possible accuracy.

FCRA 611 requires reinvestigation and deletion or correction of unverifiable data upon dispute.

FCRA 623 requires furnishers to report information truthfully and update disputed accounts.

FDCPA 807 & 809 prohibit false, misleading, or unvalidated information in collections or reporting.

FCRA 604 ( a ) prohibits unauthorized credit inquiries without a permissible purpose.

Despite these protections, my reports continue to reflect false and unverifiable information. 

False & Misleading Addresses XXXX XXXX, XXXX XXXX, TX XXXX I have never lived here. Reporting this false address creates a misleading trail of identity and violates FCRA 607. It suggests financial obligations linked to a residence I have no connection to. 

XXXX XXXX, XXXX, TX XXXX This incorrect address creates the false impression of multiple residencies, raising suspicion with lenders. This violates FCRA 607 as it misrepresents my true credit profile.

Inaccurate Accounts & Tradelines XXXX XXXX XXXX {$340.00} ( Opened : XX/XX/XXXX ) Reported as a charge-off despite full payment. No verification was ever provided. This violates FCRA 623 ( a ) and FDCPA 807, unfairly portraying me as delinquent and causing denials of credit. 

XXXX XXXX Late Payments Reported with multiple late payments that never occurred. This violates FCRA 623 ( a ) ( 2 ), misrepresenting my payment history and damaging my score.

False & Unverified Collection Accounts XXXX XXXX {$1400.00} ( XX/XX/XXXX ) No validation provided. Violates FCRA 609 and FDCPA 809. 

XXXX XXXX {$1400.00} ( XX/XX/XXXX ) Reported without proof of debt. Same violations. 

XXXX XXXX XXXX {$660.00} ( XX/XX/XXXX ) Not my account. Violates FCRA 609 and FDCPA 809. 

XXXX XXXX XXXX XXXX {$740.00} ( XX/XX/XXXX ) Unverified debt. Same violations. 

XXXX XXXX XXXX {$280.00} ( XX/XX/XXXX ) Incorrect and unvalidated. Same violations. 

XXXX XXXX XXXX XXXX {$570.00} ( XX/XX/XXXX ) Not my debt. Same violations. 

Each of these collections remains on my file without any debt validation, which is unlawful under both FCRA and FDCPA. 

Unauthorized Credit Inquiries Flagship Credit XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were never authorized by me and violate FCRA 604 ( a ). They lower my score unfairly and create the false impression that I am aggressively seeking credit.

Conclusion & Requested Action The above entries demonstrate a pattern of negligence and noncompliance by credit bureaus and furnishers. Despite my disputes, these inaccuracies remain, causing severe financial and reputational harm.

I respectfully request that the Consumer Financial Protection Bureau : Investigate these violations of the FCRA and FDCPA.

Require the deletion or correction of unverifiable and inaccurate information.

Hold the credit bureaus and furnishers accountable for failing to comply with federal law.

Company response to consumer: Closed with explanation