Consumer complaint received 2025-09-30 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 under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX and related federal consumer protection laws. I have identified multiple inaccuracies and unlawful reporting practices on my credit reports which are severely damaging my credit standing and financial opportunities. 

Despite my rights under federal law to have only accurate, verifiable, and legally reportable information included in my credit files, the following items remain incorrectly reported : XXXX. Wrong/Unknown Addresses Reported XXXX XXXX XXXX XXXX TX XXXX Wrong Address XXXX XXXX XXXX XXXX TX XXXX Wrong Address These addresses are not mine, and their presence falsely associates me with residences and activity that do not belong to me. 

XXXX. Incorrect Account Reporting XXXX XXXX XXXX CL Charge Off reported with {$10.00} balance ( opened XX/XX/XXXX ) false and unverifiable. 

XXXX  XXXX XXXX Charge Off with {$450.00} ( opened XX/XX/XXXX ) inaccurate and not mine. 

XXXX XXXX XXXX Charge Off with {$0.00} balance ( opened XX/XX/XXXX ) improper reporting of a XXXX balance account. 

XX/XX/XXXX XXXX Reported Late Payments ( opened XX/XX/XXXX ) inaccurate and unverified. 

XXXX. Multiple XXXX  Student Loan Accounts ( Duplicative and Improperly Reported ) Several accounts under XXXX  XXXX are reported as charge-offs with various balances ( {$2600.00}, {$480.00}, {$2300.00}, {$1100.00}, {$6000.00}, {$3500.00}, {$2700.00}, {$100.00}, {$840.00}, {$2300.00}, etc. ) dating back to XXXX. 

These accounts appear duplicated, inaccurately categorized as charge-offs, and in some cases should have been discharged, consolidated, or no longer reportable due to age. 

Per FCRA XXXX ( a ), most of these items are over XXXX XXXX XXXX and should not be reporting at all. 

XXXX. Improper Charge-Offs & Zero-Balance Accounts XXXX XXXX XXXX Reporting Charge Off with {$0.00} balance ( opened XX/XX/XXXX ). This is inaccurate and misleading. 

XXXX. Bankruptcy Reporting XXXX Bankruptcy XXXX XXXX Bankruptcy is being reported. I request verification that it is reported accurately and in compliance with federal law. 

XXXX. Improper & Excessive Hard Inquiries Several hard inquiries were made without my authorization or legitimate permissible purpose under FCRA XXXX : XXXX  ( XX/XX/XXXX and XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) These inquiries were either unauthorized or excessive, causing harm to my credit profile without justification. 

My Rights & Requested Action Under FCRA and FDCPA, I have the legal right to : Dispute inaccurate, unverifiable, or obsolete information. 

Demand deletion or correction of items that can not be substantiated by the furnisher or the credit reporting agencies. 

Be protected against false, misleading, or duplicative reporting. 

Therefore, I am requesting the CFPB to : Investigate these violations. 

Order the credit reporting agencies ( XXXX, Equifax, and XXXX  ) to remove the inaccurate, obsolete, and unverifiable information. 

Require the furnishers ( creditors/lenders ) to provide proper verification or delete these accounts. 

Stop the continued reporting of outdated student loans, unauthorized inquiries, and incorrect charge-offs.

Company response to consumer: Closed with non-monetary relief