Consumer complaint received 2025-10-15 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:
I am filing this complaint against the credit reporting agencies and furnishers for their failure to maintain accurate and verifiable information on my credit reports. My credit file contains numerous inaccuracies, unverified accounts, and erroneous late payment histories that violate my rights under the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611, as well as CFPB protections. 

XXXX. Wrong Addresses ( Never Associated With Me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These addresses are not and have never been associated with me. Their inclusion is a clear violation of accurate record-keeping requirements. 

XXXX. XXXX / XXXX Accounts & Collections XXXX XXXX XXXX XXXX account reported, opened XX/XX/XXXX, {$1200.00}. 

XXXX XXXX XXXX XXXX account reported, opened XX/XX/XXXX, {$620.00}. 

XXXX XXXX / XXXXXXXX XXXX XXXXXXXX account reported, opened XX/XX/XXXX, {$610.00}. 

XXXX XXXX XXXX Charge-off reported, balance {$0.00}. 

XXXX XXXX XXXX XXXX XXXX reported, {$20000.00}. 

XXXX XXXX XXXX reported, {$400.00}. 

XXXX XXXX XXXX XXXX reported, {$150.00}. 

XXXX XXXX XXXX payment reported, {$16000.00}. 

XXXX XXXX XXXX XXXX payment reported, {$840.00}. 

XXXX XXXX XXXX XXXX XXXX payment reported, {$23000.00}. 

I have never authorized nor validated these accounts. Many appear to be duplicate, unverifiable, or outright fraudulent. Under FCRA, furnishers are required to ensure accuracy and provide verification upon dispute. 

XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Dept. of Education XXXX XXXX XXXX XXXX ) My credit file shows multiple duplicate and inconsistent entries for the same student loans, including balances of {$2600.00}, {$3000.00}, {$3500.00}, {$4000.00}, {$4700.00}, {$6000.00}, and even repeated {$950.00} entries. 

XXXX XXXX Opened XX/XX/XXXX, showing late payments with varying balances ( {$2600.00} and {$4000.00} ). 

Dept. of Ed / XXXX XXXX Numerous accounts opened between XXXX with conflicting balances and repeated listings. 

This is misleading, creates inflated debt, and misrepresents my payment history. It constitutes duplicate reporting in violation of FCRA. 

XXXX. Improperly Reported Late Payments Plus XXXX XXXX XXXX XXXX Multiple accounts with inconsistent balances ( {$1000.00} and {$2000.00} ). 

XXXX XXXX, XXXX XXXX XXXX, and others report late payments without proof or proper validation. 

XXXX. Unauthorized Hard Inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and damage my credit score unfairly. 

Requested Action I am requesting the CFPBs immediate intervention to ensure the following : Permanent removal of all wrong addresses from my credit file. 

Deletion of unverifiable collection and charge-off accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Correction of duplicate and inflated student loan entries from XXXX and Dept. of Education / XXXX. 

Removal of all inaccurate late payment notations that can not be verified with full documentation. 

Elimination of unauthorized hard inquiries that I did not approve. 

Enforcement of full compliance with FCRA Section 609 ( a ), 611 ( a ), and 623 ( b ) obligations for accurate and verified reporting. 

These inaccurate and misleading reports have severely harmed my creditworthiness and caused undue financial hardship. I demand a thorough investigation and correction of these violations.

Company response to consumer: Closed with non-monetary relief