Consumer complaint received 2025-06-10 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 complaint regarding multiple serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and direct requests to credit bureaus and furnishers, inaccurate account data and personal identifying information continue to be reported on my credit reports, harming my financial standing, loan eligibility, and creditworthiness.

LEGAL VIOLATIONS INVOLVED FCRA Violations : 1681i Failure to conduct a reasonable investigation of disputed information.

1681s-2 ( b ) Failure of furnishers to investigate and correct information.

1681c Reporting outdated or obsolete information.

1681e ( b ) Failure to maintain maximum possible accuracy.

FDCPA Violations : 1692e False, deceptive, or misleading representation of debt.

1692g Failure to validate and verify the alleged debt within required timelines.

1692f Unfair or unconscionable collection practices.

SECTION I : INACCURATE PERSONAL INFORMATION The following addresses have been inaccurately associated with my credit report. I have never lived at or had any connection to these addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : FCRA 1681c ( f ), 1681e ( b ) Credit reporting agencies failed to maintain accurate identifying information.

SECTION II : DISPUTED ACCOUNTS AND VIOLATIONS Below are the disputed accounts currently reported on my credit file. These accounts are either inaccurate, unverifiable, charged-off without proof, or in collections without proper validation. 
XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$2300.00} Issue : Charge-off reported without validation, debt disputed. 
Violations : FCRA 1681s-2, FDCPA 1692g XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$2000.00} Issue : Charged-off account, not verified upon dispute. 
Violations : FCRA 1681i, 1681s-2 XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$37000.00} Issue : Multiple late payments reported inaccurately. 
Violations : FCRA 1681e ( b ) XXXX XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$1200.00} Issue : Debt in collections with no debt validation provided. 
Violations : FDCPA 1692g ( b ), FCRA 1681s-2 ( b ) XXXX. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$1200.00} Issue : Unverified and disputed collection item.

Violations : FDCPA 1692e, FCRA 1681i XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$630.00} Issue : Failure to validate debt under FDCPA guidelines. 
Violations : FDCPA 1692g, FCRA 1681b XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$680.00} Issue : Collection account not validated, duplicate listings suspected.

Violations : FDCPA 1692e ( 8 ), FCRA 1681e ( b ) XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$550.00} Issue : Reporting unverifiable collection after dispute.

Violations : FDCPA 1692e, FCRA 1681i XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$190.00} Issue : Failure to provide documentation of the debt.

Violations : FDCPA 1692g ( b ) XXXX XXXX XXXX XXXX Acct # : [ XXXX XXXX XXXX XXXX XXXX  ] Opened : XX/XX/XXXX Issue : Duplicate and unverified collection entry.

Violations : FDCPA 1692e ( 2 ) ( A ), FCRA 1681i XXXX. XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$770.00} Issue : Late payments inaccurately recorded.

Violations : FCRA 1681e ( b ), 1681s-2 SECTION III : REQUESTED RELIEF I am requesting the following actions be taken
: 1. Immediate investigation into each of the disputed accounts listed above.

2. Removal of all inaccurate, outdated, unverifiable, or duplicated accounts.

3. Permanent deletion of all incorrect and unrelated addresses.

4. Enforcement of penalties or corrective action against any furnishers in violation.

5. Provision of documentation from furnishers validating each reported item.

Conclusion This complaint reflects years of unresolved disputes that have materially harmed my credit profile. I have the right to accurate and fair reporting, and I respectfully request the CFPB 's assistance in compelling these entities to comply with federal law.

Thank you for your time and service to consumers like me.

Company response to consumer: Closed with non-monetary relief