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:
I am submitting this formal complaint due to severe and widespread inaccuracies across my credit report, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). I request a full investigation and immediate correction or deletion of the following issues. 

XXXX. Incorrect Addresses ( FCRA 609 ( c ), 611 ( a ) ) The following addresses are inaccurately associated with my profile. I have never lived or received mail at these locations, which raises concerns of identity confusion or reporting errors : XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FCRA Violation : Personal data must be accurate and verifiable. These false addresses suggest sloppy data handling or potential mixed files, which violates FCRA 607 ( b ) and 609 ( c ). 

XXXX. Inaccurate or Unverified Accounts Below is a detailed list of accounts that are either inaccurate, outdated, unverified, or reported in a misleading manner. For each, I am requesting deletion or immediate correction. 

XXXX XXXX ( Account # : XXXX * * ) * * Issue : Reported late payment for XX/XX/XXXX. 

Story : I was never notified or provided a proper billing statement before this delinquency was reported. 

FCRA Violation : 611 ( a ), 607 ( b ) XXXX/XXXX  ( Account # : XXXX * * ) * * Issue : Charge off despite balance being {$0.00}. 

Story : This account should not reflect a derogatory status with no balance. 

FCRA Violation : 607 ( b ) XXXX  ( Account # : XXXX * * ) * * Issue : Reporting a {$720.00} collection. 

Story : This account is from over XXXX  years ago, and I never received validation. 

FCRA Violation : 809 FDCPA, 611 FCRA XXXX, XXXX, XXXX, XXXX Issue XXXX Multiple charge-offs with {$0.00} XXXX. 

Story : These accounts are obsolete and misleading. They reflect negative status while showing no balance owed. 

FCRA Violation : 605 ( a ) ( 5 ), 607 ( b ) XXXX XXXX  ( Multiple Accounts ) Issue : Duplicated and incorrect balances. 

Story : I never received communication from this collector and dispute their right to report. 

FCRA Violation : 623 ( a ) ( 3 ), 809 FDCPA XXXX XXXXXXXX ( Account # : XXXX * * ) * * Issue : Charge-off despite prior dispute. 

Story : Account already challenged, but still reporting derogatory status. 

FCRA Violation : XXXX ( a ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Issue : Charge-offs dating back to XXXX. 

Story : These accounts are outdated and no longer meet reporting requirements. 

FCRA Violation : XXXX ( a ) ( XXXX ) XXXX XXXX XXXX ( XXXX Accounts ), XXXX  ( XXXX Accounts ), XXXX XXXX ( XXXX Accounts ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Issue : Reporting as collections without validation or notice. 

Story : These accounts are confusing and many appear duplicated. 

FCRA Violation : 609 ( a ), 611 ( a ), 809 FDCPA XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Issue : Charge-off/Collection reporting without adequate consumer notification. 

Story : I was never given an opportunity to validate these debts or request verification. 

FCRA/FDCPA Violations : 809 FDCPA, 607 ( b ), 611 ( a ) WFC, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : All are either incorrectly reporting open charge-offs or made unauthorized inquiries. 

Story : No consent was given for these inquiries, and some creditors appear to have pulled my file multiple times. 

FCRA Violation : 604 ( a ) ( 3 ), 615 ( a ) 3. Unauthorized and Excessive Inquiries ( FCRA 604 ) The following hard inquiries were made without my permission or knowledge, and in some cases repeatedly within days or months. This is not only unauthorized, but also damaging to my credit score : ( List continues from the long inquiry list you provided ALL included in your CFPB form ) Examples include : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX These inquiries violate FCRA 604 and were conducted without permissible purpose or written consent.

Resolution Sought : Immediate deletion of all inaccurate or unverifiable addresses Permanent deletion of all unauthorized or invalid inquiries Complete reinvestigation and deletion of any accounts that violate FCRA/FDCPA A written confirmation from the credit bureaus and creditors regarding changes made I am requesting CFPBs assistance in enforcing my rights under the FCRA and ensuring these violations are addressed. If not resolved, I am prepared to escalate this to the FTC and state attorney general, and explore legal remedies.

Company response to consumer: Closed with non-monetary relief