Consumer complaint received 2025-07-14 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 May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint regarding numerous inaccuracies and unlawful reporting on my credit file. These errors have severely harmed my financial life and mental health. Despite prior disputes, the credit reporting agencies and data furnishers have failed to investigate or correct the issues. I am requesting your help under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection laws. The following addresses, accounts, and inquiries are being falsely reported, leading to unfair denial of credit, housing, and employment opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Not my address, never resided there. 
Law Violation : FCRA 1681i ( a ) failure to reinvestigate disputed data and correct/remove it. 
Story : I lost a job opportunity because the background check flagged this address, confusing it with someone with a criminal record. My identity and character are being harmed by the bureaus ' negligence. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Never resided in XXXX. 
Law Violation : FCRA 1681e failure to maintain accurate identity-related data.

Story : This address has tied me to a collection account from a service provider I never used. Its a clear sign that my file has been mixed with someone elses or I am a victim of identity fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported during a period of verified medical hardship. 
Law Violation : FCRA 1681i failure to correct data after dispute. Equal Credit Opportunity Act ( ECOA ) protections ignored. 
Story : I lost employment due to a health crisis and contacted XXXX XXXX explaining the hardship. They offered no help. I requested a goodwill adjustment, which was ignored. I provided hospital documents during my dispute. Still, this stain remains. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | XXXX XXXX : {$470.00} | Opened XXXX XXXX XXXX XXXX Issue : Fraudulent account. I did not open this. 
Law Violation : FDCPA 809 failure to validate debt. FCRA 1681s-2 duty of furnishers to investigate after consumer dispute. 
Story : This account suddenly appeared with a balance and a charge-off status. I reported it as identity theft. XXXX XXXX never sent application documents or IP records proving it was mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX : {$0.00} | Opened : XX/XX/XXXX * * Issue : Charged off even though balance is {$0.00}. Never had a XXXX XXXX account. 
Law Violation : FCRA XXXX ( b ) inaccurate and misleading reporting. 
XXXX : This item should not exist at all. I never had XXXX XXXX XXXX, and {$0.00} balance accounts being charged off is suspicious and misleading to lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | XXXX XXXX : {$1300.00} | Opened : XX/XX/XXXX * * Issue : Fraudulent account. 
Law Violation : FDCPA 809 and FCRA 1681s-2 ( b ). 
Story : XXXX has failed to validate this account. I never opened this line or used their service at the address linked to the account. The credit bureaus refused to remove it after multiple disputes. 
XXXX XXXX XXXX| XXXX XXXX : {$6900.00} | Opened : XX/XX/XXXX * Issue : Unverified collection account. 
Law Violation : FDCPA 809 and FCRA 1681i failure to verify and correct information. 
Story : I have no recollection or record of this debt. The agency provided no documents. Its harming my report unjustly. Debt collectors must validate debts when requested. This one never did. 
UNAUTHORIZED INQUIRIES : XXXX | Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law Violation : FCRA 604 ( a ) ( 3 ).

Story : I never gave permission. No credit application submitted. I feel my privacy has been violated. 
XXXX | Date : XX/XX/XXXX Issue : Hard inquiry pulled without application. 
Law Violation : FCRA 604 no permissible purpose.

Story : This lender pulled my report without my consent. This is reckless and unauthorized. 
SECURITY F | Date : XX/XX/XXXX Issue : Inquiry done without knowledge or permission.

Law Violation : FCRA 604.

Story : They have no business pulling my report. This is either identity theft or data abuse. 
XXXX  | Date : XX/XX/XXXX Issue : Repetitive inquiry on the same day. 
Law Violation : FCRA 604.

Story : Duplication of the same inquiry by different business units. These repeated hits have damaged my score unfairly. 
Conclusion : I request the CFPB to open a full investigation into these items. All the wrong addresses, inaccurate accounts, and unauthorized inquiries listed above violate multiple federal laws. I am suffering financial, emotional, and professional damage because of these unresolved reporting errors. I am requesting permanent deletion of all inaccurate information, and for the responsible parties to be held accountable. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief