Consumer complaint received 2025-09-10 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 submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading accounts appearing on my credit report. These accounts are reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Despite my attempts to resolve these errors directly with the credit reporting agencies and furnishers, these accounts remain improperly reported. I am requesting immediate investigation and enforcement action to ensure compliance with federal law. 
Wrong Address Reporting XXXX XXXX XXXX XXXX, TX XXXX This address does not belong to me. I have never lived at or received mail at this location. Yet it is being shown as part of my credit file. This gives the false impression that I am connected to multiple identities. This has caused me embarrassment when applying for housing, as landlords believe I am hiding past residences. Under FCRA 607 ( b ), bureaus must ensure maximum possible accuracy, yet they continue to report it without validation. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX This is another false address. Every time I apply for credit, underwriters flag this as a residence mismatch, which results in additional delays and sometimes denials. I am living with XXXX  due to the constant rejections. It is unfair and unlawful for credit bureaus to associate me with addresses I have never occupied. 
XXXX Account # XXXXXXXX XXXX Charge Off High Balance : {$240000.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off, but it is inaccurate and unverifiable. A charge-off of this size is extremely damaging to my credit and reputation. I have requested documentation, contracts, and payment history, but no proof has been provided. Without validation, this is nothing but a false debt entry. Reporting such an enormous false balance makes me look financially irresponsible, which is not true. I have been denied housing and even job opportunities because employers see this false account. This is a violation of FCRA 623 ( b ), which requires data furnishers to investigate and correct inaccurate data, and FDCPA 809 ( a ), which requires debt validation before reporting. If no contract can be produced, this must be removed immediately. 
XXXX Account # XXXXXXXX XXXX Late Payment High Balance : {$230000.00} | Date Opened : XX/XX/XXXX This account is showing late payments, but they are not accurate. Payments were made on time or delays were caused by servicer errors. Yet the blame was placed on me, harming my profile. I was applying for a home loan recently, and this one derogatory account caused me to be denied even though I had stable income. It is unfair for my family to suffer housing instability because of inaccurate reporting. XXXX failed to provide proof of the alleged missed payments. Under FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ), no furnisher is allowed to report false or misleading information. This account is destroying my ability to rebuild my life. 
XXXX Account # XXXX Late Payment High Balance : {$25000.00} | Date Opened : XX/XX/XXXX This account is reported with late payments, but I have never been provided any documentation proving these lates are valid. XXXX continues to publish false derogatories despite disputes. Because of this, I was denied a credit card that I needed to cover essential expenses for my family. The emotional XXXX  is unbearable, as every application feels like a punishment for something I did not do. This violates FCRA 611 ( a ) ( 1 ) ( A ) ( right to reinvestigation ) and FCRA 623 ( b ) ( duty of furnishers to correct inaccuracies ). 
XXXX XXXX Account # XXXX Charge Off High Balance : {$51000.00} | Date Opened : XX/XX/XXXX This account is being reported as a charge-off, but I dispute the accuracy. No clear breakdown of payments, balance adjustments, or repossession details has been provided. This negative reporting is harmful and misleading, especially as the account is nearly a decade old. Under FCRA 607 ( b ), bureaus must ensure maximum possible accuracy, yet this false charge-off is still being published. Because of this account, I was denied an auto loan in XXXX, even though my income was sufficient. 
XXXX Account # XXXXXXXX XXXX Charge Off High Balance : {$63000.00} | Date Opened : XX/XX/XXXX This entry is reported as a charge-off, but the numbers do not add up and no validation has been provided. A balance of over {$63000.00} being shown as a charge-off without proper documentation is reckless and defamatory. This has created the false impression that I am financially irresponsible, which is not true. Reporting unverifiable information violates FCRA 611 ( a ) ( 1 ) ( A ) ( right to reinvestigation ) and FCRA 623 ( b ) ( duty to correct or delete inaccuracies ). 
XXXX Account # XXXX Late Payment High Balance : {$18000.00} | Date Opened : XX/XX/XXXX This account is reported with late payments, but I strongly dispute the accuracy. Several payments were made on time, yet they were marked late due to processing delays by XXXX. This misreporting has damaged my credit and caused me to be denied a refinancing opportunity that could have lowered my monthly obligations. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from knowingly reporting false information, yet XXXX continues to do so. 
XXXX  Account # XXXXXXXX XXXX Charge Off High Balance : {$18000.00} | Date Opened : XX/XX/XXXX This account is being reported as charged-off, but no validation has been provided. The reporting is inconsistent across different bureaus, which itself proves the data is unreliable. This entry is damaging my credit history unfairly and in violation of FCRA 623 ( b ), which requires data furnishers to maintain accurate and consistent reporting. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX  Charge Off High Balance : {$7000.00} | Date Opened : XX/XX/XXXX This account is reported as charged-off, but I never authorized or signed documentation proving this balance. XXXX XXXX has not provided validation despite multiple disputes. Reporting a false balance of {$7000.00} as a charge-off is reckless and negligent. This has made it impossible for me to secure affordable financing for essential household needs. This reporting violates FCRA 611 and FCRA 607 ( b ). 
Hard Inquiry XXXX XXXX XXXXXX/XX/XXXX This inquiry was performed without my authorization. I did not apply for credit with XXXX on this date. Under FCRA 604 ( a ) ( 3 ), an inquiry may only be made with my written consent for a legitimate credit transaction. This inquiry is unauthorized and must be removed. 
Hard Inquiry XXXX XXXX XX/XX/XXXX This inquiry was performed without my consent. I never gave permission for this company to access my credit file. The inquiry is a violation of FCRA 604. 
Hard Inquiry XXXX XX/XX/XXXX This inquiry is unauthorized. I never applied for a XXXX  card or product on this date. This is an impermissible pull of my credit. 
Hard Inquiry XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and harmful. It suggests I am applying for credit I never requested. This is misleading to future lenders. 
Hard Inquiry XXXX XX/XX/XXXX This is another unauthorized inquiry. XXXX is pulling my credit file without my consent. This is a repeated violation under FCRA 604 ( a ) ( 3 ). 
Multiple Auto Loan Inquiries on XX/XX/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 On XX/XX/XXXX, numerous auto loan companies pulled my credit report on the same day. I did not authorize most of these inquiries. This type of shotgunning of applications is reckless and creates unnecessary damage to my score. Under FCRA 604, each inquiry must be authorized and for a permissible purpose. These mass inquiries without my consent are unlawful and have created the false impression that I am desperate for credit. 
Hard Inquiry XXXX XX/XX/XXXX Unauthorized inquiry, no application made by me. Violation of FCRA 604. 
Hard Inquiry XXXX XXXX XX/XX/XXXX Unauthorized inquiry. I never applied for XXXX XXXX credit. Reporting this inquiry without my consent is a violation of FCRA 604 ( a ) ( 3 ).

Harm and Damages These inaccurate accounts have severely harmed my financial reputation, prevented me from obtaining credit, and caused emotional XXXX. The continued furnishing of unverifiable and inaccurate information is reckless and unlawful.

Company response to consumer: Closed with non-monetary relief