Consumer complaint received 2025-10-07 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 under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) regarding inaccurate, unverifiable, and misleading information reported on my credit file by multiple creditors and credit reporting agencies. The items listed below are damaging my credit profile, and despite previous disputes, no corrective action has been taken. I request immediate investigation, verification, and removal or correction of these items in accordance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address This address has never belonged to me and has no association with my personal, residential, or employment history. I have never lived at, rented, or used this address in any legal or financial capacity. Its presence on my report is a direct violation of FCRA Section 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. Reporting this address falsely suggests identity overlap or mixed files, which can mislead creditors and damage my reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off I deny knowledge of this account and dispute its validity. I have never opened or authorized this account and I challenge its accuracy under the FCRA and FDCPA. Reporting this charge-off is extremely harmful to my creditworthiness and is a misrepresentation of my financial history. I demand documented validation including a signed agreement and accurate records. If the creditor can not provide such proof, this tradeline must be permanently removed. 
XXXX XX/XX/XXXX Inquiry I dispute this inquiry as I did not initiate or authorize it. Unauthorized inquiries negatively affect my credit score and violate FCRA Section 604 ( a ). I demand deletion of this inquiry as it is inaccurate and unverified.

I am demanding that you perform a full reinvestigation of all the above items and provide me with written proof of validation within 30 days as required by FCRA Section 611 ( a ). If you can not provide legal, verifiable documentation, you must delete these items from my credit report. Continued reporting of inaccurate, unverifiable, or fraudulent information after this dispute will be considered willful noncompliance, subjecting you to liability under FCRA Section 616 and Section 617, as well as FDCPA violations where applicable. 
These items have never been authorized by me, and in some cases, I have no knowledge of them whatsoever. Their presence on my credit report is damaging, misleading, and violates my rights as a consumer under FCRA and FDCPA. I request that CFPB intervene to ensure a thorough investigation, legal verification, and the prompt deletion or correction of all unverifiable and inaccurate items listed above. 
I request written confirmation of the actions taken and copies of any documentation used to verify these accounts and inquiries. Failure to address these disputes will leave me no choice but to pursue all legal remedies available under federal and state law.

Company response to consumer: Closed with non-monetary relief