Consumer complaint received 2025-12-02 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 formal complaint because my credit reports contain multiple inaccurate addresses, accounts I have no knowledge of, incorrect late payment reporting, unauthorized collection accounts, and invalid charge-offs. These errors violate the Fair Credit Reporting Act ( FCRA ), and despite attempts to resolve them with the credit bureaus, the inaccuracies remain. 

XXXX. Wrong / Inaccurate Addresses Reporting on My Credit File The following addresses are not mine, and I have never lived at, used, or been associated with any of them. These must be removed immediately as they create a serious security and identity-mixing concern : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are completely inaccurate and must be deleted as they do not belong to me. 

XXXX. Incorrect Late Payment Reporting For the following accounts, I dispute all late payments because I have never made a late payment. These reporting errors violate FCRA 602 and 607 ( b ), which mandate maximum possible accuracy : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} I request a full investigation and correction of all inaccurate late payment history. 

XXXX. Charge-Off Accounts I Have No Knowledge Of The following charge-off accounts are not mine, and I have no knowledge or relationship with these accounts. Under my rights, I request immediate deletion of these fraudulent or mixed-file accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ) These accounts are inaccurate and must be removed promptly. 

XXXX. Collection Accounts I Have No Knowledge Of The following collection accounts are not mine, and I am requesting deletion because I have no knowledge of these debts. Reporting unverified debts violates FCRA and FDCPA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance : {$1700.00} ) I request that these accounts be removed unless validated with full documentation proving ownership, original account details, signed agreements, and itemized statements. 

XXXX. Unauthorized Hard Inquiries I did not authorize the following inquiries, and I request their removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard inquiries without consumer permission violate FCRA XXXX. 

Requested Resolution I am requesting the CFPB to : Require the credit bureaus to delete all inaccurate addresses. 

Correct all late payment inaccuracies. 

Delete all charge-off and collection accounts that I have no knowledge of. 

Remove all unauthorized inquiries. 

Ensure all furnishers comply with FCRA accuracy and verification standards. 

These errors have severely impacted my credit, and I am demanding immediate corrections. 

Thank you for your assistance in investigating and resolving these violations.

Company response to consumer: Closed with non-monetary relief