Consumer complaint received 2025-06-09 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:
Dear CFPB Officer, I am filing this complaint against various furnishers and credit reporting agencies for severe violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, including but not limited to the inaccurate reporting of accounts, wrongful addresses, and failure to conduct reasonable investigations after disputes.

Despite my repeated attempts to correct these issues, the following inaccurate and damaging items continue to appear on my credit report : Incorrect Address Reporting ( Violation of 15 U.S. Code 1681e ( b ) ) These addresses are not mine, I have never lived at or been associated with them. Their continued reporting is damaging and misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Reference : Under FCRA 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy. Reporting unverifiable and inaccurate addresses clearly violates this law. 
Inaccurate/Negative Account Reporting XXXX. XXXX ( Account No : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2500.00} Issue : Late Payments are reported inaccurately. I have not received proper validation or notice, and dispute procedures were not properly followed.

Violation : FCRA 1681s-2 ( b ) Furnishers must conduct proper investigation when a consumer disputes information. 
XXXX. XXXX XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$69000.00} Issue : Charge-Off reported, but this account was disputed due to errors in payment history and resolution attempts. I received no response to my dispute. 
Violation : FCRA 1681i ( a ) Failure to reinvestigate disputed information within 30 days. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$13000.00} Issue : Charge-Off reported incorrectly. I never received proper documentation or verification as required by law. 
Violation : FCRA 1681g Failure to provide complete and accurate disclosure upon request. 
XXXX. XXXX XXXX ( Account No : XXXXXXXX XXXX ) Date Opened : XX/XX/XXXX Issue : Charge-Off reported. I requested validation of this debt, which was never provided. I believe this may be fraudulent or inaccurately reported.

Violation : FCRA 1681s-2 ( a ) & FDCPA 809 ( 15 USC 1692g ) Right to validation of debt not honored. 
XXXX. XXXX XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$8000.00} Issue : Late Payments reported. I disputed these entries but received no response or outcome from the investigation. 
Violation : FCRA 1681i and 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation.

Summary of Violations The credit reporting agencies and furnishers have failed to : Maintain maximum possible accuracy ( 1681e ( b ) ), Correct or remove inaccurate items after dispute ( 1681i ), Provide verification and documentation of debts ( 1681g, FDCPA 809 ), Cease reporting unverifiable addresses and data ( 1681s-2 ( a ) & ( b ) ). 
These actions have harmed my credit reputation, affected my ability to obtain housing and employment, and caused emotional and financial distress.

Relief Requested I respectfully request the CFPB to : 1. Investigate each of the above violations.

2. Enforce correction or permanent deletion of these inaccurate entries from my credit file.

3. Penalize any furnishers or agencies found to be in violation of FCRA or FDCPA provisions.

4. Require all CRAs to send me updated credit reports with corrections.

Thank you for your time and for protecting consumer rights.

Company response to consumer: Closed with non-monetary relief