Consumer complaint received 2025-10-22 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 Consumer Financial Protection Bureau, I am submitting this complaint against multiple furnishers and credit reporting agencies for the inaccurate, duplicate, and unauthorized reporting of collection accounts and credit inquiries on my credit file. The disputed items listed below have caused significant damage to my credit reputation, emotional distress, and financial hardship. Despite my repeated efforts to dispute these errors directly with the credit bureaus, the accounts remain uncorrected, violating my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
I have strong reason to believe that these accounts and inquiries were either reported in error, duplicated, or placed on my file without my authorization. No supporting documentation, validation, or signed contracts have ever been provided to me by the furnishers or credit bureaus. 
INCORRECT ADDRESSES REPORTED ON MY CREDIT FILE : XXXX XXXX XXXX  XXXX, TX XXXX I have never resided or received mail at this address. 
XXXX XXXX XXXX XXXX, TX XXXX This address belongs to another individual and must be deleted immediately. 
Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, credit bureaus are required to report only accurate and verifiable information. These addresses have no legal or residential connection to me, and their continued appearance creates false identity links and financial risk. I am demanding immediate deletion from all records. 
ACCOUNTS WITH REPORTING ERRORS : XXXX XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Reported Issue : Late Payment I strongly dispute the late payment history being reported. I have never made any late payments on this account, and there is no valid documentation to support such a claim. This reporting is inaccurate, misleading, and violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 
XXXX XXXX XXXX High Balance : {$1100.00} | Date Opened : XX/XX/XXXX | Reported Issue : Late Payment This account has been falsely marked as late. I have maintained consistent and timely payments, and any claim of delinquency is completely erroneous. I am requesting correction of the payment history to reflect never late, as required under FCRA XXXX ( a ). 
XXXX XXXX High Balance : {$320.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off I have no knowledge or record of this account being charged off. I never received any communication or notice regarding a charge-off, which makes this reporting invalid and unverifiable under FCRA XXXX XXXX a ) ( XXXX ). I am demanding immediate deletion of this entry unless the furnisher can provide full validation with original signed contracts and payment records. 
XXXX XXXX XXXX High Balance : {$880.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off I dispute this charge-off completely. I was never notified of any charge-off action, nor do I acknowledge this as a valid debt. This inaccurate and unverifiable entry must be deleted as required under FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX High Balance : {$900.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off I have no knowledge of this alleged account or any charge-off related to it. This reporting appears to be a result of mixed or fraudulent information. I demand immediate deletion unless verified with legitimate supporting documentation bearing my authentic signature as required under FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off This account is being reported inaccurately as a charge-off. I have no verified record of delinquency or default on this account. The continued appearance of this false information constitutes willful negligence and violation of FCRA XXXX and XXXX, entitling me to seek legal damages if not corrected promptly. 
XXXX XXXX High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off I never authorized any charge-off on this account. This entry lacks verification, notice, or supporting documentation. I am requesting a full reinvestigation and immediate removal under FCRA XXXX ( a ) if the furnisher can not provide proof of validity. 
XXXX XXXX High Balance : {$910.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off This account does not belong to me or has been reported inaccurately. I demand deletion unless the reporting party can provide complete validation with original documents, statements, and correspondence proving ownership. 
XXXX XXXX High Balance : {$380.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off I dispute the accuracy of this charge-off. I have no record or knowledge of any such delinquency or closure. This account appears to be reported in error or XXXX be the result of identity or mixed file confusion. Under FCRA XXXX ( a ) and XXXX ( a ) ( XXXX ), I request full verification including account ownership proof, original signed contract, and payment history. If such proof can not be produced, this entry must be deleted immediately. 
XXXX XXXX XXXX High Balance : {$480.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off I have never been notified of any charge-off related to this account, and no valid documentation supports this report. This inaccurate information violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting information they know or should know is incorrect. I demand this account be corrected or deleted immediately. 
XXXX  XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Reported Issue : Late Payment This late payment is entirely false. I made all required payments on time, and any report indicating otherwise is erroneous. This misreporting is a violation of FCRA XXXX ( b ) and must be corrected to reflect an accurate never late payment history. 
XXXX XXXX XXXX High Balance : {$20000.00} | Date Opened : XX/XX/XXXX | Reported Issue : Late Payment I dispute the late payment notation for this account. I have consistently made timely payments, and no supporting evidence has been provided to justify such a derogatory mark. This inaccurate information should be removed or corrected as required under FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX High Balance : {$17000.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off I have no knowledge or notification of any charge-off for this account. This is a serious reporting error and must be validated immediately. Failure to provide proof of charge-off notice or payment records will require deletion under FCRA XXXX XXXX a ) ( XXXX ). 
XXXX XXXX XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Reported Issue : Charge-Off This charge-off entry is inaccurate and unverifiable. I never received any notice or demand for payment, and there is no documentation showing legitimate delinquency. Unless verified with proper records, this account must be permanently deleted as per FCRA XXXX. 
XXXX  XXXX High Balance : {$910.00} | Date Opened : XX/XX/XXXX | Reported Issue : Collection I dispute this collection account entirely. I have no knowledge of this debt, and no collection letter or proof of ownership has been provided. This may be the result of mixed file reporting. I demand deletion unless full verification is produced under FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX XXXX High Balance : {$1100.00} | Date Opened : XX/XX/XXXX | Reported Issue : Collection I have no association with this alleged account or any related collection activity. This is a false and damaging entry. As required by FCRA XXXX ( b ), XXXX must verify the accuracy or this tradeline must be deleted immediately. 
XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Reported Issue : Collection This collection account is inaccurate and does not belong to me. The reporting furnisher has failed to validate this debt or establish any link to my identity. Under FCRA XXXX ( a ) ( XXXX ), unverifiable information must be removed from the file. 
XXXX XXXX  XXXX High Balance : {$1900.00} | Date Opened : XX/XX/XXXX | Reported Issue : Collection This collection is completely inaccurate. I never received any correspondence or statement indicating such debt existed. I dispute its legitimacy and demand full deletion under FCRA XXXX ( b ) for failure to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX | Balance Owed : {$720.00} | Reported Issue : Collection I strongly dispute this account as it is duplicated and unverifiable. XXXX XXXX XXXX has failed to produce valid proof or original creditor documentation. This inaccurate reporting violates FCRA XXXX ( a ) ( XXXX ) ( A ). Please delete this duplicate and unverified collection immediately. 
UNAUTHORIZED OR QUESTIONABLE HARD INQUIRIES : I also dispute the following inquiries as unauthorized, inaccurate, or unverifiable. I never granted consent for these entities to access my credit file. Under FCRA XXXX ( a ) ( XXXX ), a hard inquiry must be authorized by the consumer for a legitimate credit transaction. These inquiries are harming my credit score and must be removed unless the furnisher can prove written authorization. 
List of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Each of these inquiries must be validated with signed authorization records or removed immediately under FCRA XXXX XXXX a ). Repeated reporting of unauthorized inquiries constitutes negligent or willful violation under FCRA XXXX and XXXX. 
XXXX XXXX XXXX : Because of these incorrect and unauthorized entries, I have suffered : Denials for credit and housing applications Unjustified increases in loan and insurance rates Emotional distress, embarrassment, and reputational damage Unfair financial disadvantages due to false reporting These actions are not only unethical but unlawful under federal law. My consumer rights have been clearly violated by both the furnishers and the credit bureaus that continue to report unverifiable data. 
RELIEF REQUESTED : XXXX. Require the credit bureaus to immediately delete or correct all unverified and duplicate collection accounts. 
XXXX. Remove all unauthorized hard inquiries listed above from my credit reports. 
XXXX. Impose penalties or sanctions against the furnishers and bureaus for repeated violations of the FCRA. 
XXXX. Ensure I receive a written confirmation and updated credit report reflecting all corrections. 
I am requesting CFPBs immediate intervention to enforce my rights under the Fair Credit Reporting Act. These continuous violations have caused serious and ongoing harm, and I am seeking full correction, accountability, and fair resolution.

Company response to consumer: Closed with non-monetary relief