Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally file a complaint against the credit reporting agency for inaccurate and harmful reporting practices that have significantly damaged my financial standing. Despite multiple attempts to correct these issues, the inaccuracies persist. These issues include multiple wrong address entries, inaccurate charge-offs, late payments, and collection accounts that either do not belong to me, are incorrectly reported, or were not properly validated according to federal law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : This address does not belong to me and is incorrectly reported on my credit file. 
Law Violated : FCRA 605 ( b ), 607 ( b ) Accuracy required in consumer reports XXXX : I have never lived at or been associated with this address. Its presence on my report is evidence of file mixing or identity confusion. This has caused lenders to question my residency history, resulting in denied applications. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Incorrect address reporting, never resided here. 
XXXX Violated : FCRA 607 ( b ) Failure to follow reasonable procedures XXXX : This address has no connection to my legal or financial history. I believe it XXXX be a result of reporting error or data breach. It needs to be removed immediately. 
XXXX DEER XXXX XXXX XXXX, TX XXXX Issue : Wrong address not affiliated with me in any way. 
Law Violated : FCRA 605 ( b ), 609 ( c ) Story : Due to this address, I have been flagged for possible identity issues. Ive had to resubmit documentation repeatedly, wasting time and impacting financial opportunities. 
XXXX XXXX XXXX XXXX, GA XXXX Issue : Reported address is false and unverified. 
Law Violated : FCRA 611 ( a ), 623 ( b ) Story : I have no ties to Georgia and never authorized reporting of this address. Keeping it listed poses risks to my identity and credit integrity. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Never lived here address is fraudulent. 
Law Violated : FCRA 605, 609 Story : This is possibly due to credit file contamination or misreporting by a data furnisher. I have submitted disputes before, but the bureau failed to remove it. 
XXXX XXXX XXXX XXXX, XXXX XXXX Issue : Inaccurate address never linked to my profile. 
Law Violated : FCRA 607 ( b ), 623 ( a ) ( 1 ) Story : False addresses can lead to false association with debts or criminal records. It is critical for this to be removed from my credit history. 
XXXX XXXXXXXX BANK XXXX * * Date Opened : XX/XX/XXXX High Balance : {$300.00} Issue : Charge-off account is unverifiable and lacks documentation. 
Law Violated : FCRA 609 ( a ) ( 1 ), FDCPA 809 ( b ) Story : This account was disputed, but I never received any contract or billing history. Reporting this as a charge-off without proof is unfair and damaging. 
XXXX XXXXXXXX BANK XXXX * * Date Opened : XX/XX/XXXX High Balance : {$430.00} Issue : Duplicate charge-off with inconsistent information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Both XXXX Bank accounts are questionable. No explanation or validation was given when I disputed them. This shows neglect by the furnisher. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$450.00} Issue : Charged-off account with inconsistent reporting across bureaus. 
Law Violated : FCRA 607 ( b ), FDCPA 807 ( 8 ) XXXX : The status, amount, and payment details vary across agencies. This demonstrates poor data integrity and regulatory non-compliance. 
XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$16000.00} Issue : Vehicle loan charged off without validation. 
Law Violated : FDCPA 809 ( b ), FCRA 611 ( a ) Story : I requested verification of this account. They failed to provide any supporting document, yet it still appears as a major derogatory account. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX High Balance : {$13000.00} Issue : Charge-off reported incorrectly, disputed with no response. 
Law Violated : FCRA 611, FDCPA 809 Story : This account should not have been listed as charge-off because I was under a hardship agreement. This was never considered or reported properly. 
XXXX XXXX BANK TX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$970.00} Issue : Account charged off incorrectly. 
XXXX Violated : FCRA 607, 623 Story : Disputed multiple times with no supporting documents returned. XXXX continues. 
XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$17000.00} Issue : Account charged off paid balance not reflected. 
Law Violated : FCRA 611 ( a ), 623 ( a ) Story : Despite submitting proof of settlement, the credit report still shows unpaid charge-off. This is completely unfair. 
XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$2000.00} Issue : Late payments during forbearance. 
Law Violated : FCRA 623 ( b ), CARES Act Story : I had these loans under approved deferment. Late reporting is false and violates federal relief policies. 
XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$3500.00} Issue : Duplicate student loan account. 
Law Violated : FCRA 607 XXXX : This appears to be a duplicate entry with mismatched dates and status. Needs correction. 
XXXX XXXX * Date Opened : XX/XX/XXXX High Balance : {$3500.00} Issue : Late reporting during COVID-19 forbearance. 
Law Violated : CARES Act, FCRA 623 ( a ) Story : These payments were paused. Reporting as late is false and hurt my score when I was under federally protected status. 
XXXX OF XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$24000.00} Issue : Late reporting during administrative pause. 
Law Violated : CARES Act, FCRA 611 XXXX : This loan was not due during the date listed. Still it shows XXXX late, violating my rights under federal student loan protections. XXXX XXXX XXXX XXXX  XXXX * * Date Opened : XX/XX/XXXX High Balance : {$0.00} Issue : Late payment listed after closure. 
Law Violated : FCRA 623 ( b ) Story : The account was closed, yet a new delinquency appeared months later. This is completely invalid. 
XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$3300.00} Issue : Medical collection with no itemized validation. 
Law Violated : FDCPA 809, FCRA 609 Story : No details, provider name, or dates were given. This is a XXXX matter and requires strict verification. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Issue : Charge-off without notice or validation. 
Law Violated : FDCPA 809 XXXX : I was never contacted about this loan. Suddenly it shows as charged off, which is unlawful. 
I demand a full investigation of all items listed above. Please verify the accuracy of the data with the furnishers and provide written documentation for each account. If verification can not be completed within the time limit established under the FCRA ( 30 days ), I demand immediate deletion of the disputed information from my file.

Company response to consumer: Closed with non-monetary relief