Consumer complaint received 2025-11-01 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:
XXXX  am submitting this formal complaint against the inaccurate and unlawful reporting of my consumer information by certain furnishers and credit reporting agencies. The violations below concern false address information, an unauthorized hard inquiry, and an improper charge-off account. I am demanding an immediate investigation, deletion, and correction of all erroneous data in compliance with the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address is being disputed as it is not associated with me. Reporting a wrong address violates FCRA 1681c(a)(4) and 1681i(a), as this data creates a misleading connection with locations unrelated to my identity. Continuing to report this address after dispute is unlawful. The bureau must immediately delete it since no valid source can confirm I ever resided XXXX XXXX Date Opened: 07/05/2024 Balance Owed: XXXX XXXX XXXXXXXX account was never authorized or verified with my written consent. Under FCRA 1681b(a)(2) and 1681s-2(a)(1)(A), no data furnisher may report unverified or inaccurate debt. The creditor failed to provide original signed documents proving the accounts legitimacy. Continued reporting violates 1681i(a)(1)(A), and this entry must be deleted XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX tradeline shows false charge-off status and unverified balance. Under FCRA 1681e(b), consumer reporting agencies must ensure maximum possible accuracy. No verifiable record or original contract was provided from the furnisher, which breaches 1681s-2(b). I demand deletion as the account cannot be XXXX XXXX  Date Opened: XXXX Balance OwedXXXX XXXX XXXX XXXX account is outdated and unverifiable, violating FCRA 1681c(a)(4) for obsolete information and 1681i(a)(5) for failing to correct errors. No written evidence exists of my consent or payment history, and any continued reporting constitutes willful XXXX XXXX XXXX Date Opened: 01/03/2016 Balance XXXX XXXX XXXX XXXX XXXX has repeatedly failed to verify my account with original documentation or signed agreement. Under 1681s-2(a)(1)(B), furnishers must not report inaccurate data. This account continues to harm my credit report and violates 1681e(b). It must be XXXX XXXX Date Opened: 05/16/2022 Balance Owed: XXXX XXXX XXXX  account was never validated with legal proof. The FCRA 1681i(a) requires complete verification using authentic records, not automated systems. No evidence was provided, and its balance reporting violates 1681s-2(b)(1)(D). Remove this from my file XXXX XXXX XXXX  Date Opened: XXXX  Balance Owed: XXXX  Late XXXX reported late payment is inaccurate. Under 1681e(b), data furnishers must report with maximum possible accuracy, yet no original statement supports this late payment. Such inaccuracy after prior dispute shows reckless disregard of XXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX XXXX XXXX account cannot be verified under FCRA 1681i(a)(1)(A). The furnisher failed to supply any contract or account proof. Reporting without validation violates both 1681s-2(a) and FDCPA 807(8) for communicating false credit XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX XXXX XXXX account is inaccurately showing a charge-off despite being settled. FCRA 1681e(b) demands accuracy and correction upon reinvestigation. No legal documentation confirms any outstanding amount, making its presence on my report a violation of XXXX XXXX XXXX XXXX  Date Opened: 07/27/2016 Balance Owed: XXXX XXXX XXXX reported amount and status are inconsistent and unverifiable. FCRA 1681c and 1681i(a) require accurate reporting of account history, yet no verification has been provided. The furnishers failure to authenticate violates XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXXXXXX XXXX XXXX  failed to validate this debt with proof of ownership or contract. Under FDCPA 809(b), a debt collector must provide verification upon request, and failure to do so invalidates the reporting. FCRA 1681i(a)(1) further requires XXXX XXXX Date Opened: XXXX Balance Owed: XXXX XXXX XXXX XXXX is reporting unverifiable debt and incorrect charge-off information. This violates FCRA 1681e(b) and FDCPA 807(8). The account lacks validation, and under 1681i(a), it must be removed for XXXX XXXX Date Opened: XXXX Balance Owed: XXXX XXXX XXXX  account is false and unverifiable. The furnisher failed to provide a signed contract or payment record. Under 1681s-2(b), incomplete verification must result in deletion. Continued reporting is a willful violation of XXXX XXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX XXXX collection entry was never validated as required by FDCPA 809(b). FCRA 1681i(a)(5) mandates deletion when data cannot be verified. The reporting agencys failure to confirm legitimacy makes this collection XXXX XXXX XXXX XXXX inquiry was conducted without my consent, violating FCRA 1681b(f). I never authorized this access, and the bureau must remove it under XXXX XXXX XXXX inquiry with no permissible purpose under FCRA 1681b(a). Continued reporting violates my privacy and must be deleted XXXX XXXX XXXX inquiry lacks any permissible purpose and breaches 1681b(f). No signed consent or application exists; therefore, it must be XXXX XXXX XXXX inquiry was made without any authorization. Under 1681b(a)(2), inquiries must have consumer consent; failure to provide proof requires XXXX XXXX XXXX  access of my credit file violates 1681b(f) and 1681q. I demand immediate removal of this inquiry as it is not linked to any transaction initiated by XXXX request the XXXX  intervention to ensure full compliance with the FCRA and FDCPA, deletion of all inaccurate data, and appropriate penalties for the parties involved. I am demanding all inaccurate or unverifiable information be permanently removed and confirmation provided to me in writing.'

Company response to consumer: Closed with non-monetary relief