Consumer complaint received 2025-11-10 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:
To Whom It May Concern, this is a formal complaint being filed regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full investigation and immediate correction of the following inaccurate and unauthorized items that continue to appear on my consumer credit profile despite prior disputes and notices. These items are directly harming my creditworthiness and violating my rights under federal law. 

XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX  XXXX, TX XXXX are both incorrect and never associated with me. Reporting inaccurate addresses is a direct violation of FCRA 607 ( B ), which requires consumer reporting agencies to assure maximum possible accuracy of consumer data. The inclusion of these addresses is misleading, creates identity confusion, and must be deleted immediately as they were never my verified residence or mailing address. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Charge Off This account is being falsely reported as charged off even though no verified documentation or original creditor validation has been provided to confirm this status. Under FCRA 611 ( A ) and 623 ( A ) ( 1 ) ( A ), any account must be verified through proper investigation and documentation. Continuing to report unverified information is a violation of my rights and causes harm to my financial reputation. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Charge Off This account shows conflicting reporting between charge-off and closed status. This inconsistency violates FCRA 607 ( B ) and 611 ( A ), requiring complete and accurate information. I have not received any notice of charge-off or supporting documents under FCRA 609 ( A ) ( 1 ). This entry must be removed for lack of verification. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$970.00} Date Opened : XX/XX/XXXX Late Payment This account contains incorrect payment history that can not be verified through billing statements or transactional records. FCRA 623 ( A ) ( 1 ) ( D ) requires furnishers to update or correct information once they become aware of inaccuracies. FDCPA 807 ( 8 ) prohibits communicating false credit information. The inaccurate late payment reporting must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$600.00} Date Opened : XX/XX/XXXX Late Payment The alleged late payment is unverified and unsupported by original records. Under FCRA 611 ( A ), you are required to conduct a reinvestigation and delete unverifiable information. Reporting this error violates my consumer rights under 607 ( B ). 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$1800.00} Date Opened : XX/XX/XXXX Charge Off This account was never charged off to my knowledge. Reporting false charge-off data without verification is a violation of FCRA 623 ( A ) ( 1 ) ( A ). The account must be deleted unless verified through proper documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$580.00} Date Opened : XX/XX/XXXX Late Payment The payment history on this account is inaccurate and unverifiable. FCRA 609 ( A ) ( 1 ) grants me the right to review all data sources, yet no evidence was ever provided. Continued reporting without proof violates FCRA 611 ( A ) and 607 ( B ). 

XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is inconsistent with the account history and violates FCRA 623 ( A ) ( 1 ) ( D ). Reporting unverifiable and conflicting data demonstrates failure to maintain accurate records as required by 607 ( B ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX Charge Off This entry was reported inaccurately with no validation. FCRA 611 ( A ) ( 1 ) ( A ) requires deletion of any item not verified. Continuing to report such information is negligent and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$22000.00} Date Opened : XX/XX/XXXX Charge Off The reported balance and charge-off status are inaccurate and unverified. Under FCRA 609 ( A ) ( 1 ), I have not been provided any validation. This constitutes noncompliance with 611 ( A ) and 623 ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Collection This collection account was never validated or authorized. FDCPA 809 ( b ) requires debt collectors to cease reporting until validation is provided. Since this was never verified, it must be deleted under FCRA 611 ( A ). 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$990.00} Charge Off Reporting this unverified charge-off violates FCRA 607 ( B ) and FDCPA 807 ( 8 ). I have not received any notice of assignment or validation. Delete this entry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$150.00} Collection This entry lacks validation under FDCPA 809 ( b ). Reporting unverifiable data violates FCRA 611 ( A ) and 607 ( B ). I request immediate deletion. 

XXXX XX/XX/XXXX This inquiry was unauthorized and not initiated by me. Reporting such inquiries without written consent violates FCRA 604 ( A ) ( 2 ) and 607 ( A ). It must be removed immediately. 

XXXX XXXXXX/XX/XXXX I never authorized this company to access my report. FCRA 604 ( A ) ( 2 ) prohibits pulling consumer reports without permissible purpose. Delete immediately. 

XXXX XX/XX/XXXX This was unauthorized and violates FCRA 604. No consent or application exists to justify this inquiry. 

XXXX XX/XX/XXXX This companys access to my credit was unauthorized, violating 604 ( A ) ( 2 ). Remove immediately. 

XXXX XX/XX/XXXX I did not grant consent for this inquiry. FCRA 604 ( A ) ( 2 ) and 616 establish liability for unauthorized access. 

XXXX XX/XX/XXXX Unauthorized inquiry with no permissible purpose under FCRA 604 ( A ). Must be deleted. 

XXXX XX/XX/XXXX Unauthorized and non-permissible credit access, violating 604 ( A ) ( 2 ) and 607 ( A ). 
XXXX XX/XX/XXXX Inquiry Unauthorized inquiry that violates FCRA 604 ( A ) ( 2 ). 

The continued presence of these inaccurate items represents systemic negligence by the reporting agencies and furnishers. I have fulfilled my duty as a consumer by notifying them of these issues, yet they continue to fail in maintaining the required accuracy and integrity of my credit information. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into these matters, ensure compliance with federal law, and hold the parties accountable for their violations. 
I request the immediate removal of the wrong address, deletion or correction of the inaccurate account, and the permanent removal of the unauthorized inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief