Consumer complaint received 2025-08-11 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple false addresses, inaccurate account reporting, and unauthorized credit inquiries. These serious violations have caused significant damage to my credit profile, hindered my ability to obtain credit, and harmed my financial reputation. The reporting parties and credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy, by continuing to report unverified and disputed information, and by allowing unauthorized access to my credit file. I am demanding that the CFPB take immediate enforcement action to investigate, compel compliance, and ensure permanent removal of all inaccurate and unauthorized information from my credit report. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, TX XXXX Law : FCRA 607 ( b ) Maximum possible accuracy requirement. 
Issue : Address belongs to another individual. 
Story : This address is completely unfamiliar to me, and I have never signed a lease, utility account, or any other document that would connect me to it. Its presence is an error that undermines the reliability of my entire credit report.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 611 ( a ) Must delete unverifiable items after reinvestigation. 
Issue : Incorrect address on my file. 
Story : I have never lived at this apartment or had any dealings connected to it. Reporting it damages the accuracy of my credit file and can create wrongful associations with unknown debts. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Law : FCRA 623 ( a ) ( 1 ) Prohibits furnishing inaccurate data. 
Issue : {$0.00} balance but still marked as charge-off. 
Story : A charge-off status with a XXXX-dollar balance is misleading to future creditors and creates the false impression of delinquency where none exists. This account must be deleted if the status can not be corrected. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Law : FCRA 611 ( a ) Right to reinvestigation. 
Issue : Charge-off with {$420.00} balance unverified. 
Story : I have no recollection of opening this account, and no application, signed agreement, or billing records have been provided. Without such proof, reporting this debt is a direct violation of my consumer rights. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Law : FCRA 623 ( b ) Furnishers must update and correct errors. 
Issue : {$0.00} balance yet still derogatory status. 
Story : Keeping a derogatory mark for a paid or XXXX balance account is deceptive and punitive. It serves no legitimate purpose other than to harm my credit standing. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27000.00} Law : FCRA 609 ( a ) Right to receive documentation. 
Issue : {$27000.00} charge-off without proof. 
Story : This is a significant debt being reported without any substantiating evidence such as the original signed contract or payment history. Until proven, it must not remain on my credit file.

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Law : FCRA 611 ( a ) & 623 ( b ) Reinvestigation and accuracy obligations. 
Issue : Charge-off with {$5800.00} balance unverified. 
Story : I have repeatedly requested verification for this account, and none has been provided. Reporting unverifiable data is a violation of your duties under federal law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Law : FCRA 609 ( a ) Right to accurate records. 
Issue : {$17000.00} charge-off unsubstantiated. 
Story : This entry significantly impacts my creditworthiness, yet no proof has been offered that I am the legal obligor.

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Law : FCRA 611 ( a ) Duty to delete unverifiable information. 
Issue : Charge-off with {$1100.00} balance unproven. 
Story : Without a full chain of title and original account documentation, this debt is unverified and must be deleted. 

INQUIRIES XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) Must have permissible purpose. 
Issue : Inquiry not authorized.

Story : This inquiry was made without my consent or any valid reason under the FCRA.

XXXX XXXXXXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) No permissible purpose.

Issue : Unauthorized inquiry. 
Story : I did not approve or request this credit check, and it must be deleted. 

I am requesting that the CFPB exercise its authority to enforce the provisions of the FCRA and hold the credit reporting agencies and furnishers accountable for these ongoing violations. The reporting of inaccurate addresses, unverified charge-off accounts, and unauthorized inquiries is a direct breach of my consumer rights. These actions have caused measurable harm to my creditworthiness and personal integrity. I demand that the CFPB require immediate deletion of all disputed and unverified items, removal of unauthorized inquiries, and provide me with written confirmation of all corrections within 30 days. Failure to address these violations will leave me no choice but to pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief