Consumer complaint received 2025-08-08 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:
XXXX Consumer Financial Protection Bureau,\nI am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being.XXXX XXXX XXXX XXXX XXXX XXXX: Wrong Address\nLaw: FCRA Section 602(a) upholds the need for fairness, accuracy, and privacy in credit reporting.\nStory: I have never resided nor had any official ties to this address. The ongoing reporting of an unrelated location violates both federal and state consumer protection guidelines and exposes me to unnecessary risk from mismatching records.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Wrong Address\nLaw: FCRA Section 605B addresses the blocking of information resulting from identity theft and fraudulent or incorrect reporting.\nStory: Inclusion of this address is unjustified, as it leads to confusion and could facilitate identity theft, a prevalent issue regulated by the CFPB. Persistent errors hamper my right to a fair review of my credit.XXXX XXXX XXXX  High Balance: XXXX  Date Opened: XXXX: Charge Off\nLaw: Under FCRA Section 611, I have a right to dispute and correct inaccuracies; Section 623 requires furnishers to report only accurate data.\nStory: This account was reported as charged off, but I never received adequate notice of delinquency nor documentation supporting the balance claimed. Charge-offs have a significant negative effect on my credit profile and such reporting without sufficient evidence violates my rights to verify or refute claims.XXXX XXXX  High Balance: XXXX Date Opened: XXXX: Late Payment\nLaw: FCRA and FDCPA require notifications and substantiated documentation for negative marks.\nStory: The delinquency attached to this account is inaccurate and lacks documentation, presenting a misleading financial record. Unsubstantiated derogatory remarks directly affect my ability to secure housing or credit and may constitute an unfair credit practice.XXXX XXXX  High Balance: XXXX  Date Opened: XXXX: Late Payment\nLaw: CFPB regulations require rigorous proof for negative financial reporting.\nStory: I was not informed about any payment irregularity. Reporting supposed late payments without sufficient due process and proof meets the threshold of legal noncompliance and causes emotional and financial distressXXXX XXXX** High Balance: XXXX Date Opened: XXXX: Charge Off\nLaw: Accurate charge-off reporting is mandated by the FCRA and CFPB guidelines.\nStory: This was misreported, and evidence of charge-off procedures or collection efforts was never provided. Unfair charge-off reporting diminishes creditworthiness and erodes trust in reporting agencies.XXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX: Late Payment\nLaw: Unsubstantiated derogatory tradelines breach fair credit and collection laws.\nStory: The alleged late payments have no reflection in my payment records. Misinformation in payment history contravenes my consumer rights and poses reputational harm.XXXX XXXX  High Balance: $2,500 Date Opened: XXXXXXXX XXXX XXXX: FDCPA and FCRA govern accurate and fair reporting of account status.\nStory: Reporting this account as late misrepresents my payment integrity. This kind of error can escalate to denial of basic financial services and breaches my consumer protections under federal law.XXXX XXXX High Balance: XXXX Date Opened: XXXX XXXX: Debt collection entries must comply with FDCPA and be fully validated.\nStory: This collection item lacks validation, required notices, and proof of debt. Erroneously assigning collections threatens access to credit, housing, and employment, while violating due process.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX XXXX: Unverified collections are unlawful under FCRA and FDCPA.\nStory: This entry is being reported absent any verification or supporting documentation. False collection activity increases financial hardship and legal liability for all parties involved.XXXX XXXX  High Balance: XXXX  Date Opened: 1XXXX XXXX XXXX: Accurate reporting required under FCRA; negligible sums should not result in major derogatory marks.\nStory: Reporting a XXXX balance as late payment is disproportionate and punitive. This non-material error is evidence of poor data handling and illustrates the need for robust audit processes.XXXX XXXX XXXX XXXX High Balance: XXXX  Date Opened: XXXX XXXX FCRA and state laws prohibit the reporting of fictitious or unverifiable accounts.\nStory: This debt is unknown to me, and collection status is erroneous; further reporting without correction invites legal challenge for willful noncomplianceXXXX XXXX XXXX XXXX  High Balance: XXXX  Date Opened: XXXX XXXX: All debts must be validated under consumer protection statutes.\nStory: Such a low-balance collection, when unverified, indicates automated data mismanagement and exposes the need for stricter regulatory oversight.XXXX XXXX XXXX XXXX  High Balance: XXXX  Date Opened: XXXX XXXX: Consumer rights include complete validation and due process.\nStory: This XXXX item is incorrectly attributed to my report, which directly damages my reputation and limits my financial growthXXXX XXXX Inquiry\nLaw: All inquiries require verifiable purpose and consumer consent.\nStory: This inquiry is repetitive, unwarranted, and performed without my knowledge, which is a clear compliance violationXXXX XXXX Inquiry\nLaw: Non-consensual inquiries are strictly prohibited.\nStory: There is no record for why this entity pulled my credit. This behavior is a violation of my privacy and consumer protections.XXXX XXXX: Inquiry\nLaw: All credit reports must be accessed only on legitimate basis.\nStory: This is unrecognized and unauthorized, suggesting possible identity theft or mishandling of personal data.\n\nRELIEF REQUESTED:\n1.\tImmediate investigation and removal of inaccurate addresses\n2.\tFull deletion of inaccurate, duplicated, and unverifiable negative accounts\n3.\tPermanent removal of unauthorized inquiries from my credit reports\n4.\tWritten confirmation of all corrective actions taken\nI respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored.\nThank you for your assistance.'

Company response to consumer: Closed with non-monetary relief