Consumer complaint received 2025-06-17 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:
To Whom It May Concern, I am filing a formal complaint against Experian for serious and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, including the continued reporting of inaccurate personal information, unverified and false accounts, and numerous unauthorized inquiries on my credit file. These actions have harmed me financially and emotionally, and are in clear violation of federal law.

INCORRECT ADDRESSES ( FCRA 1681e ( b ) ) Experian is currently reporting the following addresses on my credit profile, none of which are mine, and I have no legal or residential connection to these locations. Their continued appearance on my credit report increases my risk of identity theft and violates FCRA 1681e ( b ), which mandates the use of reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE AND UNVERIFIED ACCOUNTS ( FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) ) Despite multiple disputes, the following accounts remain on my Experian report, reporting either incorrect balances, late payments, or charge-offs without proper investigation or verification. This violates Experian 's duty under 1681i ( a ) to reasonably reinvestigate disputed information and 1681s-2 ( b ) which requires data furnishers to correct or delete inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$480.00} Status : Charge-Off Violations : 1681e ( b ), 1681i ( a ) XXXX. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$510.00} Status : Charge-Off Violations : 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$720.00} Status : Late Payments Violations : 1681e ( b ), 1681i ( a ) XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$530.00} Status : Late Payments Violations : 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) XXXX. XXXX XXXX XXXX ( DEBT COLLECTOR ) Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXX High Balance : {$620.00} Status : Collection Account Issue : Debt not verified or validated with me Violations : 1681e ( b ), 1681g ( c ), 1681s-2 ( b ) UNAUTHORIZED & EXCESSIVE HARD INQUIRIES ( FCRA 1681b ) The following inquiries were conducted without my authorization and in most cases, without any permissible purpose under FCRA 1681b . These inquiries have negatively impacted my credit score and were not related to any actual credit application.

Date Company Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized by me and were made without a legitimate business purpose, violating FCRA 1681b ( c ).

HARM CAUSED Due to these errors, I have been : Denied credit opportunities.

Subject to higher interest rates.

Forced to deal with collection agencies for debts that are not mine or are inaccurate.

Emotionally stressed and anxious about financial credibility.

Despite submitting disputes, Experian has failed to fulfill their legal obligations.

LEGAL VIOLATIONS SUMMARY FCRA 1681e ( b ) Failure to ensure accuracy.

FCRA 1681i ( a ) Failure to investigate disputed information.

FCRA 1681s-2 ( b ) Furnishers failure to update/delete inaccurate data.

FCRA 1681b Inquiries without permissible purpose.

RESOLUTION REQUESTED I respectfully request the CFPB take the following actions : 1. Order Experian to permanently delete the false addresses listed above. 2. Remove or fully correct all listed inaccurate accounts.

3. Remove all unauthorized hard inquiries from my credit file.

4. Enforce compliance with FCRA standards through audits or fines.

5. Provide me with a written confirmation of these corrections.

To Whom It May Concern, I am writing to formally submit a complaint regarding multiple serious inaccuracies and harmful reporting present on my credit file, which has caused me substantial distress, financial harm, and reputational damage. These include inaccurate addresses, unverifiable accounts with charge-offs and late payments, and unauthorized hard inquiries. These issues are in direct violation of several provisions under the Fair Credit Reporting Act ( FCRA ) and, in certain cases, the Fair Debt Collection Practices Act ( FDCPA ).

I have exhausted my attempts to resolve these matters directly with the credit reporting agencies, but they have either failed to conduct reasonable investigations or continue to allow the false reporting to persist. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the following incorrect items are permanently removed or corrected based on federal law.

Incorrect Addresses ( Never Lived At ) These addresses are inaccurately associated with me and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Violation : FCRA 604 ( c ) ( 1 ) ( B ), 607 ( b ) Reporting inaccurate personal identifiers without permissible purpose or reasonable procedures.

Disputed Accounts XXXX XXXX XXXX XXXX o Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$480.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off o Complaint : This account is inaccurately reported as a charge-off. No proper notice or validation was given.

o Violation : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) XXXX. XXXX XXXX XXXX o Account # : XXXXXXXX XXXX XXXX XXXX XXXX o High Balance : {$510.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off o Complaint : I have no recollection of this account and never received any contract or notice of default. 
o Violation : FCRA 611, 623 ; FDCPA 807 ( 8 ), 809 XXXX. XXXX XXXX  o Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$720.00} o Date Opened : XX/XX/XXXX o Issue : Late Payments o Complaint : Payment history is being reported incorrectly, and I was not delinquent during the period shown.

o Violation : FCRA 607 ( b ) ; 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX o Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o High Balance : {$530.00} o Date Opened : XX/XX/XXXX o Issue : Late Payments o Complaint : Late payments are misreported ; I dispute the delinquency and demand proper investigation. 
o Violation : FCRA 611 ; 607 ( b ) XXXX. XXXX XXXX XXXX  o Account # : XXXX * o High Balance : {$620.00} o Date Opened : XX/XX/XXXX o Issue : Collection o Complaint : This debt is not mine. I did not receive any validation or proof of liability.

o Violation : FDCPA 809 ( a ), 807 ( 5 ) ; FCRA 623 ( b ) Unauthorized/Unverified Hard Inquiries These inquiries were made without my knowledge, consent, or permissible purpose and are negatively affecting my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 604 ( a ) ( 3 ) ; 607 ( a ) No permissible purpose or authorization obtained before pulling credit.

Relief Sought Under the FCRA and FDCPA, I respectfully request that : 1. All inaccurate personal addresses listed above be permanently deleted.

2. All disputed accounts listed above be deleted or fully verified with supporting documentation.

3. All unauthorized hard inquiries be removed immediately for lack of permissible purpose.

4. All credit reporting agencies conduct a full and reasonable investigation as per FCRA 611 ( a ) ( 1 ) ( A ).

If these matters are not addressed promptly, I am prepared to pursue further legal action and file complaints with the State Attorney General, FTC, and other applicable authorities.

Thank you for your time and attention to this matter.

To Whom It May Concern, I am writing to formally dispute multiple significant inaccuracies appearing on my Equifax credit report. These errors have caused me severe financial and personal distress, including harm to my creditworthiness and reputation. I demand a thorough investigation and immediate correction or deletion of the erroneous information as mandated by federal law.

Below I list the specific issues and accounts with corresponding details for your immediate attention : XXXX. Incorrect Addresses Reported : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : These addresses have never been my residence or mailing address and are incorrectly linked to my credit report. The presence of these erroneous addresses is misleading, affecting credit decisions and potentially exposing me to identity theft risks.

Applicable Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), Equifax is required to maintain accurate and complete information. Reporting inaccurate personal information violates this mandate and must be corrected promptly. 
XXXX. Charge-Off Accounts : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Issue : This account is inaccurately reported as a charge-off. I have disputed this debt with the creditor and request verification of the debt validity and accurate reporting. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$510.00} Date Opened : XX/XX/XXXX Issue : Incorrect charge-off status reported. I request detailed validation and correction of this account status.

Applicable Law : Per FCRA Section 623 ( a ) ( 8 ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Inaccurate charge-offs materially harm my credit profile, and Equifax must ensure accuracy and fair reporting. 
XXXX. Collection Account : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXX Issue : The collection status and balance are inaccurate and unverifiable. I dispute this collection and request removal until verified.

Applicable Law : Under FCRA Section 611, Equifax must conduct a reasonable investigation and delete unverifiable accounts. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits collection of inaccurate debts. 
XXXX. Unauthorized/Inaccurate Hard Inquiries : XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I have not authorized several of these hard inquiries, and they appear without my consent. Unauthorized inquiries damage my credit score and violate my rights.

Applicable Law : Per FCRA Section 604, credit reporting agencies must obtain proper authorization before reporting inquiries. Equifax must remove any inquiries not authorized by me.

Summary and Demands : These combined errors incorrect personal information, unverifiable charge-offs and collections, and unauthorized inquiries violate my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. These inaccuracies are causing unjust damage to my credit reputation and obstruct my ability to obtain credit on fair terms.

I hereby demand : 1. Immediate investigation and deletion or correction of all inaccurate accounts, addresses, and inquiries.

2. Written confirmation of your actions and findings within the 30-day period mandated by FCRA.

3. Removal of any unverifiable, unauthorized, or inaccurate information from my credit file.

4. Assurance that such errors will not reoccur on my credit report.

Failure to comply with these demands will leave me no option but to pursue further action with the Consumer Financial Protection Bureau, the Federal Trade Commission, and possible legal remedies.

Please acknowledge receipt of this complaint promptly.

Company response to consumer: Closed with non-monetary relief