Consumer complaint received 2025-06-05 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:
Dear CFPB, I am writing this formal complaint to bring your attention to multiple serious violations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair and Accurate Credit Transactions Act ( FACTA ) committed by several creditors and furnishers. These inaccuracies and false reports have severely impacted my credit profile, causing me emotional and financial harm.

Incorrect Addresses Reported ( Violation of 15 U.S. Code 1681e ( b ) ) The following addresses have been falsely associated with my credit file. I have never lived at or used these addresses for any financial or legal purpose : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Gray XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX addresses must be deleted immediately as they violate the FCRA Section 607 ( b ) which requires the credit bureaus to maintain accurate and up-to-date information. 
Accounts with Errors and Violations Below are the accounts I am disputing. The information reported is either inaccurate, incomplete, unverified, or illegally reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payments Opened : XX/XX/year> Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information. 
Action Requested : Remove all late payment notations due to insufficient validation and improper notification. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # : [ Insert full/partial ] Issue : Charge-off Violation : FCRA 1681s-2 ( b ) ; FDCPA 807 ( 8 ) Failure to investigate properly and inaccurate status reporting. 
Action Requested : Delete the account if proper validation can not be provided.

3. XXXX XXXX XXXX XXXX XXXX XXXX : [ Insert ] Issue : Charge-off Violation : Same as above ; lack of accurate investigation post-dispute. 
Action Requested : Complete removal or full validation. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Accounts # : [ List all ] Issue : Duplicate account reporting, inaccurate statuses Violation : FCRA 605 ( b ) ; Duplicate and misleading reporting Action Requested : Remove duplicates, correct or delete entries immediately. 
XXXX XXXX XXXX XXXX XXXX : [ Insert ] Issue : Collection account inaccurately reported Violation : FDCPA 809 ( b ) Failure to validate debt Action Requested : Remove due to lack of proper validation and communication. 
XXXX XXXX XXXX XXXX XXXX XXXX  # : [ Insert ] Issue : Negative reporting, incorrect dates Violation : FCRA 623 Data furnisher obligation breach Action Requested : Investigate and delete if unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX  Account # : [ Insert ] Issue : Incorrect balance, reporting post-settlement Violation : FCRA 1681s-2 ; FACTA compliance failure Action Requested : Accurate update or deletion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : [ Insert ] Issue : Reporting as open when closed Violation : Inaccurate status reporting, FCRA violation Action Requested : Status correction or deletion. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : [ Insert ] Issue : Third-party collections, unvalidated debts Violation : FDCPA 807 & 809 Action Requested : Cease and desist further reporting ; remove immediately if debt validation is not provided. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account # : [ Insert ] Issue : Incorrect deferment or payment status Violation : FCRA 623 Furnishing outdated or incorrect info Action Requested : Correct payment status or provide proper documentation.

Laws Cited FCRA 607 ( b ) : Duty to maintain accurate records FCRA 623 : Responsibilities of furnishers of information FDCPA 807-809 : False representation, validation of debts XXXX : Accurate handling and reporting of consumer data Relief Requested I respectfully request the following : 1. Immediate deletion of all incorrect addresses.

2. Investigation and correction/deletion of all listed accounts.

3. Full compliance with FCRA, FDCPA, and FACTA obligations.

4. Written confirmation of actions taken.

Failure to resolve these issues may result in escalation through legal channels or additional complaints filed with the FTC and State Attorney General.

Company response to consumer: Closed with explanation