Consumer complaint received 2025-09-06 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 filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws have been repeatedly violated. My credit report contains multiple wrong addresses, inaccurate accounts, unverifiable collections, charge-offs, late payments, and unauthorized inquiries. These errors have damaged my creditworthiness, caused financial harm, and created barriers to obtaining fair housing, employment, and lending opportunities. I am requesting a full investigation, deletion of inaccurate data, and enforcement action to ensure compliance with federal law. 
Wrong Address XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong address. Law : FCRA Section 607 ( b ) requires maximum possible accuracy. XXXX : This reporting ties me to a place I never lived at, leading to inaccurate profile building and misrepresentation of my identity. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong address. Law : FCRA 609 and XXXX. Story : Linking a XXXX XXXX XXXX never used falsely implies accounts may belong to me. This creates serious consumer confusion and identity mix-up. 
XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Issue : Reported as chargeoff though not validated. XXXX : FCRA 611, FDCPA 809 ( b ). Story : A chargeoff must be accurate, yet no original contract or proof of liability was provided. Without validation, this account can not be reported. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Old account reported inaccurately. Law : FCRA 623 ( a ) ( 1 ) ( A ). Story : This furnisher has failed to update accurate status and is misreporting balance information, which misleads lenders. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Inaccurate chargeoff. Law : FCRA 611. Story : No validation provided, inaccurate balance, and no chain of assignment proof. Continued reporting is unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Report shows chargeoff with XXXX balance. Law : FCRA 607 ( b ). Story : A {$0.00} balance can not be legally charged off ; this is misleading and harmful. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Inaccurate chargeoff. Law : FCRA 623 ( b ). Story : Creditor failed to prove ownership or account agreement, and account continues to report damaging status unlawfully. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Issue : Duplicate reporting of same creditor. Law : FCRA Section 607 ( b ). Story : Double reporting by the same creditor inflates derogatories and misrepresents my credit risk. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Issue : Chargeoff unverifiable. Law : FDCPA 809 ( b ). Story : I requested proof, but none was provided, meaning continued reporting is unlawful. 


XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Issue : Chargeoff without proper validation. Law : FCRA 623, FDCPA 809 ( b ). Story : No original signed documents were provided, yet they continue to report damaging data. 

XXXX XXXX * * * * High Balance : {$1800.00} Date Opened : XX/XX/XXXX Issue : Chargeoff inaccurate. Law : FCRA Section 607 ( b ). Story : This furnisher has not validated my liability and is misreporting balance and payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$190000.00} Date Opened : XX/XX/XXXX Issue : Late payment inaccurate. Law : XXXX XXXX XXXX + FCRA XXXX ( b ). Story : Federal loan servicers are required to report accurately. Late payment history here is misapplied and misleading. 
Collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$450.00} Date Opened : XX/XX/XXXX Issue : Collection inaccurate. Law : FDCPA 807, FCRA 611. Story : XXXX can not validate ownership and reports multiple duplicate accounts. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Issue : Duplicate reporting. Law : FCRA 607 ( b ). Story : Reporting same debt more than once inflates derogatories and misleads lenders. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$300.00} Date Opened : XX/XX/XXXX Issue : Unverified collection. Law : FDCPA 809 ( b ). Story : No validation provided, continued reporting is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Collection unverifiable. Law : FDCPA 807. Story : Account reported without proper chain of title or proof. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Duplicate entry. Law : FCRA XXXX. Story : Duplicate reporting damages my score and falsely increases my debt load. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Issue : Collection unverifiable. Law : FDCPA 809 ( b ). Story : XXXX is known to purchase debts cheaply without full documentation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$660.00} Date Opened : XX/XX/XXXX Issue : Collection invalid. Law : FDCPA 807. Story : No original creditor contract was produced, making this entry unlawful. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$770.00} Date Opened : XX/XX/XXXX Issue : Collection invalid. Law : FDCPA 809 ( b ). Story : XXXX XXXX continues to report unverifiable debts, misleading creditors. 

XXXX XXXX XXXX : Unauthorized inquiry. Law : FCRA XXXX. Story : No permissible purpose ; I never gave consent. 

XXXX XX/XX/XXXX XXXX : Unauthorized inquiry. Law : FCRA XXXX. Story : No authorization given for this pull. 

XXXX XX/XX/XXXX Issue : Unauthorized inquiry. Law : FCRA XXXX. XXXX : This inquiry was not authorized by me. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry. Law : FCRA XXXX. Story : No permissible purpose and no authorization. 

XXXX XX/XX/XXXX Issue : Unauthorized inquiry. Law : FCRA XXXX. Story : No consent given for this access. 

XXXX XXXX : Unauthorized inquiry. Law : FCRA XXXX. Story : I did not authorize this inquiry. 

XXXXXXXX XXXX XXXXXXXX : Unauthorized inquiry. Law : FCRA XXXX. Story : No permissible purpose provided. 
Conclusion These errors, duplications, unverifiable debts, and unauthorized inquiries are in clear violation of the FCRA and FDCPA. I request immediate deletion of all inaccurate information, enforcement against the furnishers and credit reporting agencies that failed in their obligations, and restoration of my consumer rights.

Company response to consumer: Closed with non-monetary relief