Consumer complaint received 2025-08-30 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX This address is not associated with me at any time. Reporting inaccurate addresses constitutes a violation of FCRA Section 1681e ( b ) which requires maximum possible accuracy of reported information. I have never resided at this address, nor have I ever authorized its use for credit purposes. 

Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is false and unrelated to me. Under FCRA 1681i ( a ), inaccurate information must be promptly investigated and corrected. Inclusion of this address is misleading and negatively impacts my credit profile. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not valid for me and has never been used by me. Its presence violates my rights under FCRA 1681i and creates an inaccurate credit history. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have no association with this address. Reporting it is a direct violation of FCRA 1681e ( b ). I demand its immediate deletion. 

Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This XXXX XXXX XXXX never been used by me. Its reporting is misleading and inaccurate under FCRA Section 1681i. 

Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX I do not reside or have any affiliation with this address. FCRA 1681e ( b ) requires that credit reporting agencies ensure all addresses are accurate ; this is a clear violation. 

Account : XXXX XXXX XXXX Balance : {$300.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment This account shows late payments that are inaccurate. FCRA 1681i ( a ) obligates reinvestigation of disputed items. My account records show all payments made on time ; reporting late payment is false and damaging. 

Account : XXXX XXXX XXXX High Balance : {$700.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment This late payment is incorrectly reported. FCRA 1681i ( a ) requires reinvestigation and deletion of inaccurate data. My statements confirm timely payments ; the reporting agency is legally obligated to correct this. 

Account : XXXX XXXX XXXX XXXX High Balance : {$12000.00} | Date Opened : XX/XX/XXXX | Reported as Charge Off This charge-off is erroneous. Per FCRA 1681i, I request verification of this account. My records demonstrate no default or charge-off. Reporting it without validation is a violation of my rights. 

Account : XXXX XXXX XXXX XXXX High Balance : {$13000.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment Reported late payments are inaccurate. Under FCRA 1681i ( a ), I am disputing this information ; my records confirm timely payments. This reporting is misleading and unlawful. 

Account : XXXX XXXX XXXXXXXX High Balance : {$950.00} | Date Opened : XX/XX/XXXX | Reported as Collection This collection account is inaccurately reported. FCRA 1681i requires that unverified items be deleted. I dispute this collection and demand its removal. 

XXXX : XXXX, XXXX XX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) requires permissible purpose. I never requested this credit check. Immediate deletion is required to correct inaccurate reporting. 

Inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) violation. I did not authorize this inquiry, and it is inaccurately affecting my credit score. Removal is mandatory unless they can produce verifiable authorization. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) violation. I did not authorize this credit pull. Reporting it falsely violates federal law. Immediate removal is requested. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) requires express consent or permissible purpose. I did not authorize this inquiry. Its presence misrepresents my credit activity and must be deleted. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief