Consumer complaint received 2025-08-08 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:
CFPB COMPLAINT I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been repeatedly violated through the reporting of unauthorized, inaccurate, and fraudulent inquiries on my credit file. These inquiries have been placed without my knowledge, authorization, or permissible purpose under federal law. I have suffered emotional distress, denial of credit opportunities, higher interest rates, and reputational harm as a result of these unlawful actions. I am demanding the immediate removal of these inquiries, a thorough investigation, and written confirmation of compliance with all applicable laws. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : Multiple inaccurate addresses linked to accounts causing confusion and potential credit reporting errors. This undermines my creditworthiness and accuracy of credit files. 
Law : The Fair Credit Reporting Act ( FCRA ) mandates accuracy and proper reporting of consumer information. Reporting incorrect addresses breaches FCRA guidelines and leads to disputes. 
Story : Despite repeated attempts to correct these addresses with creditors and bureaus, errors persist. This negligence harms my credit reputation and causes undue stress and financial disadvantage. These inaccuracies must be resolved immediately and records corrected. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : Address improperly associated with loan and credit lines, leading to misattributed debts. 
Law : Under the FCRA and CFPB regulations, consumers are protected from erroneous credit data. The law requires investigation and correction of disputed items. 
Story : The wrongful address linkage has complicated my financial affairs, frequently blocking loan applications and credit approvals. This systemic error reflects neglect in data management and violates consumer protection laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Physical property address mistakenly assigned to multiple unrelated credit accounts. 
Law : The Truth in Lending Act ( TILA ) aims to protect against unfair credit practices, such as incorrect reporting of property or collateral. 
Story : Errors linking my residence to accounts I never authorized have caused multiple collection notices and legal threats. This misreporting breaches ethical and legal standards, jeopardizing my home ownership status and peace of mind. 

XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : Repeated misplacement of this address on delinquent and charged-off accounts. 
Law : Regulation V enforces accuracy in consumer reporting, requiring immediate rectification of false information. 
Story : Consistent errors associating my address to negative credit events have unfairly damaged my credit score and borrowing ability. Creditors and bureaus failed to investigate after my disputes, violating my rights and prolonging financial harm. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Address linked to multiple collections accounts without verification of liabilities. 
Law : FCRA stipulates the right of consumers to request debt validation and prohibits reporting unverified debt. 
Story : Collections agencies continue reporting this address with disputed debts, causing reputational harm and emotional distress. The failure to validate accounts before reporting contravenes consumer protection laws and prolongs my credit damage. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Balance : {$1100.00} Issue : Chargeoff listed without proper notification or opportunity for repayment arrangements. 
Law : Under FCRA, chargeoff status must be accurately reported and consumers given fair notice. 
Story : The chargeoff was reported prematurely, undermining my chance to resolve the debt. This aggressive reporting severely impacted my credit score and future credit availability. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Balance : {$29000.00} Issue : Chargeoff reported despite ongoing payment negotiation attempts. 
Law : Consumers must be notified and have the chance to dispute inaccuracies before chargeoff is reported. 
Story : The chargeoff ignores my active discussions, reflecting careless reporting practices that ignore my rights and contribute to financial distress. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Balance : {$63000.00} Issue : Repossession inaccurately reported without proper documentation. 
Law : Accurate documentation is required prior to reporting repossession under both FCRA and Uniform Commercial Code ( UCC ) regulations. 
Story : Repossession was reported without proper evidence, damaging my credit and creating undue hardship. This error violates my rights and calls for immediate correction. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$39000.00} Issue : Late payments recorded inaccurately, inaccurately reflecting my payment history. 
Law : Timely and accurate payment reporting is mandatory under FCRA guidelines. 
Story : These late payments were erroneously reported, impacting my credit score and financial reputation. I have ample proof of payment compliance that was ignored. 

XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$63000.00} Issue : Late payment reports without prior warning or verification. 
Law : Creditors must adhere to proper reporting protocols ensuring fairness and accuracy under FCRA. 
Story : Late payments were reported incorrectly, undermining my creditworthiness unjustly. I demanded reinvestigation to no avail. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$1100.00} Issue : Collection account reported without validation or consumer notification. 
Law : Debt collectors must provide validation upon request before reporting under the Fair Debt Collection Practices Act ( FDCPA ).

Story : This account was reported without following lawful procedures, causing unwarranted credit harm.

XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$3700.00} Issue : Collection reported incorrectly without evidence of debt ownership. 
Law : Debt ownership must be proven before reporting to consumer credit bureaus under FDCPA and FCRA. 
Story : I have challenged this collection repeatedly without any proof provided, yet it continues to damage my credit. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$430.00} Issue : Collection reported despite dispute and lack of verification. 
Law : Upon dispute, debt must be validated or removed in accord with FCRA and FDCPA. 
Story : Collections continue unvalidated, violating my consumer rights and causing damage to my credit. 

XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$2200.00} Issue : Repeated collection reports on the same debt causing compounded credit damage. 
Law : Re-aging debts or repeated listing is prohibited under FCRA. 
Story : This account has been reported multiple times, unfairly exacerbating credit damage and delaying recovery. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$620.00} Issue : Chargeoff reported despite previous payment arrangements and dispute. 
Law : Accurate and fair reporting under FCRA prohibits premature chargeoff without resolution efforts. 
Story : Chargeoff reporting was done despite evidence of partial payments and communication attempts. This unjust damage to my credit history must be reversed. 

Relief Requested : Immediate deletion of all the above unauthorized inquiries from my credit report, a thorough investigation into each furnishers request for my credit file, and written proof that the inquiry had a permissible purpose as required by FCRA. If no proof exists, the inquiry must be permanently deleted. I also request that the CFPB take enforcement action to prevent such violations from recurring.

Company response to consumer: Closed with non-monetary relief