Consumer complaint received 2025-06-03 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:
To Whom It May Concern : I am writing to formally dispute several inaccurate, incomplete, and legally non-compliant items currently reported on my consumer credit reports, which have caused undue harm and distress. These violations span inaccurate personal address reporting, misrepresented payment history, and potentially unlawful debt collection reporting. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692, to demand immediate investigation, correction, and where applicable, removal of these items.

Wrong Address Reporting ( Violation of FCRA 1681e ( b ) ) The following addresses are inaccurately associated with my credit profile and are not now nor have they ever been my residential address. Reporting these addresses constitutes a violation of the FCRA due to failure to maintain accurate consumer data : XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Incorrect Applicable Law : FCRA 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting addresses I never lived at is a violation of this section. I request these addresses be permanently removed.

Late Payment Reporting ( Potential Violation of FCRA 1681s-2 ) The following accounts have late payment notations that I dispute as inaccurate, incomplete, or unverifiable : XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXXXXXX  | Balance : {$2.00} Issue : Late Payment Disputed as inaccurate. Payment records do not reflect a delinquency. 
XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX | Original Balance : {$10000.00} Issue : Late Payment This account reflects delinquencies not substantiated by my payment history. 
XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX  Date Opened : XX/XX/XXXXXXXX  | Balance : {$2.00} Issue : Duplicate or misreported late payment ; unclear reporting suggests violation of accuracy standards. 
XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXXXXXX  | Original Balance : {$10000.00} Issue : Possibly duplicate reporting with the entry above ; incorrect late payment notation. 
Applicable Law : FCRA 1681s-2 ( a ) Furnishers of information must not provide information that they know is inaccurate. 
FCRA 1681i ( a ) Upon dispute, the credit bureau must conduct a reasonable reinvestigation.

I am requesting a thorough reinvestigation of these accounts, correction or deletion of any inaccurate payment history, and documentation verifying the original reporting. 
Debt Collection Reporting XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  Acct # : XXXX Original Balance : {$630.00} Date Opened : XX/XX/XXXXXXXX  Issue : This collection account is inaccurately reported and may be a case of mistaken identity, given the wrong addresses linked to my profile. No notice of collection was provided prior to reporting, violating FDCPA standards. 
Applicable Laws : FDCPA 809 ( 15 U.S.C. 1692g ) Right to validation of debt before reporting to a credit bureau.

FCRA 1681e ( b ) Credit bureaus must ensure information is accurate before reporting.

I am requesting full validation of this debt, including original creditor documentation, signed agreement, and breakdown of balance. If not verifiable, it must be immediately deleted from all reports. 
Resolution Requested I demand the following actions be taken within the legal time frame of 30 days, as per FCRA 1681i ( a ) ( 1 ) ( A ) : 1. Immediate deletion of all incorrect addresses listed above.
2. Full reinvestigation and correction or removal of all disputed late payment accounts.

3. Validation or removal of the collection account by XXXX XXXX XXXX

4. Written confirmation of the results of your investigations. 
If these inaccuracies are not resolved, I will not hesitate to escalate this matter further by seeking legal counsel or filing formal complaints with the FTC, Attorney General, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation