Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against multiple entities for continued violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my repeated efforts to resolve these issues directly with the credit reporting agencies and data furnishers, the following inaccuracies remain unresolved, causing severe and ongoing harm to my financial health.

1. Inaccurate Personal Information Reported The following names and addresses listed on my credit report are incorrect and should be permanently removed : Wrong Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX These entries do not belong to me and have no connection to my personal history. Their presence on my credit file is a clear violation of the FCRA Section 602 ( A ), which mandates maximum possible accuracy of consumer information.

2. Disputed Accounts with Legal Violations I request full investigation and permanent deletion or correction of the following accounts, which are being inaccurately reported : ________________________________________ XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$680.00} Issue : Charge Off Violation : Reporting a charged-off account with no updated balance verification. Failure to verify accuracy violates FCRA Section 611 and FCRA Section 623 ( a ) ( 1 ) ( A ). No recent activity has occurred on this account. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$270.00} Issue : Late Payments Violation : Failure to investigate previous disputes under FCRA Section 611 ( a ) ( 1 ) ( A ). Payment history does not reflect actual account performance. 
XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$30000.00} Issue : Charge Off Violation : Continued reporting after account was closed and balance was discharged. No proper notice provided under FCRA Section 623 ( b ). 
XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Issue : Late Payments Violation : Late payments reported during periods where forbearance was requested due to financial hardship, which is not compliant with CARES Act protections and FCRA Section 623. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$16000.00} Issue : Late Payments Violation : Failure to report accurate payment history. No proper validation notice issued under FDCPA XXXX XXXX. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$510.00} Issue : Late Payments Violation : Disputed late payments still being reported with no reinvestigation or notice under FCRA XXXX XXXX. 
XXXX ( Two Accounts ) Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$4000.00} and {$2600.00} Issue : Late Payments Violation : Duplicative accounts, likely a system error. Reporting both accounts without validation or proof of activity is a breach of FCRA Section 607 ( b ). 
XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Issue : Late Payments Violation : Late payments reported without reflecting payment arrangement made. Inconsistent reporting = FCRA Section 623 violation. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1700.00} Issue : Collection Violation : No validation of debt provided. This is a third-party collection violating FDCPA Section 809 ( a ) and FCRA 623 ( a ) ( 5 ) if the account is inaccurate. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} Issue : Collection Violation : Reporting inaccurate balance and duplicate activity. Failed to respond to debt validation request = FDCPA Section 809 ( b ) and FCRA

623 violation. XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$990.00} Issue : Collection Violation : No communication prior to reporting. Collection account added with no validation or original creditor info = FDCPA Section 807 deception. 
XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$320.00} Issue : Collection Violation : Duplicate and unverifiable debt reporting. No proof provided under FDCPA Section 809 ( b ) and FCRA Section 611.

3. Hard Inquiries without Authorization These inquiries were made without my knowledge or consent, causing harm to my credit score. No permissible purpose under FCRA Section 604 ( a ) was established : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unlawful inquiries without permissible purpose are in breach of FCRA Section 604 and must be investigated and removed.

Relief Requested : Immediate deletion of inaccurate personal identifiers ( names and addresses ).

Permanent removal or correction of all inaccurate and unverifiable accounts.

Full investigation and deletion of unauthorized inquiries.

Written confirmation of the results of each investigation per FCRA Section 611 ( a ) ( 6 ).

If the data furnishers can not verify the accuracy of any item, it must be removed under FCRA Section 611 ( a ) ( 5 ).

I have attached documentation to support my claims and request that the CFPB investigate this matter with urgency. These reporting errors have severely affected my ability to secure housing, employment, and credit. I respectfully request your assistance in holding these institutions accountable for their failure to report and manage consumer data lawfully.

Company response to consumer: Closed with non-monetary relief