Consumer complaint received 2025-08-23 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 filing this complaint because my credit report contains multiple inaccuracies, including wrong addresses, an unlawful charge-off, and numerous unauthorized inquiries. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and they have caused me severe financial, emotional, and reputational harm. Accurate credit reporting is the foundation of fair credit access, yet the repeated mistakes on my file have destroyed my credibility as a consumer, prevented me from obtaining fair credit, and placed me at constant risk of identity theft. I am requesting that the CFPB take immediate action to enforce compliance with the law, ensure correction of these inaccuracies, and hold the reporting agencies and furnishers accountable. 
WRONG ADDRESSES XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 609 ( a ) ( 1 ) entitles me to correct and complete information. 
Story : I have no connection with this address. Yet the bureau linked me to it without my consent or knowledge. This error is serious because any debts or legal matters tied to that address may wrongfully fall on me. It creates unnecessary suspicion about my identity and makes my profile appear unreliable to lenders, landlords, and even employers. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address ( variation of above ) Law : FCRA 611 requires reinvestigation and deletion of inaccuracies.

Story : This is the same wrong address already disputed, but listed again in a slightly different format. The fact that duplicates remain even after disputes proves negligence and failure to maintain accuracy. It shows the bureaus are not truly investigating my disputes but merely repeating bad data. 
XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Issue : Wrong Address Law : FCRA 611 ( a ) ( 1 ) requires CRAs to delete inaccuracies within 30 days. 
Story : I never lived here. The bureaus repeated refusal to remove this shows a violation of my rights. Wrong addresses like this can lead to false collection attempts, lawsuits, or denials of credit because my file looks inconsistent. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 605B allows blocking of false or fraudulent information.

Story : This address was never mine, yet it is attached to my identity. This demonstrates a serious file-mixing problem. It harms me by suggesting I may have accounts or debts tied to this location. This false connection increases my risk of fraud. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 602 ( b ) requires fair and accurate reporting. 
Story : A random XXXX XXXXXXXX I never used is on my credit report. A XXXX XXXX can easily be tied to collections or scams, and if mistaken identity occurs, I will be the one harmed. This false link is unacceptable and dangerous. 
XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX Issue : Wrong Address Law : FCRA 607 ( b ) accuracy standard violated. 
Story : I have no connection with this property. By keeping it in my file, the CRAs are mixing my profile with another individual. This hurts my financial stability and increases risk of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 609 requires accurate information.

Story : This is not my residence. The more wrong addresses that appear, the more lenders suspect fraud, which unfairly punishes me. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 611 ( a ) violation for failure to correct after dispute. 
Story : I never lived here. Even after multiple disputes, the address remains, which proves that my rights are being ignored. This creates long-term harm to my financial profile. 
CHARGE-OFF XXXX XXXX XXXX XXXXXXXX, High Balance : {$3700.00}, Date Opened : XX/XX/XXXX Issue : Charge-off reported inaccurately Law : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to provide only accurate data. FDCPA 807 ( 8 ) prohibits furnishing false credit information. 
Story : This account has been marked as a charge-off without proper verification. I dispute this status because the furnisher failed to provide proof of the debts validity. Reporting a false charge-off destroys my score and reputation. It portrays me as financially irresponsible when I am not. This is a violation of my consumer rights, and it must be corrected or removed. 
UNAUTHORIZED INQUIRIES Issue : Multiple unauthorized and excessive hard inquiries Law :

FCRA 604 ( a ) limits credit report access to permissible purposes. Story : My credit file shows a cluster of auto-finance, bank, and retail inquiries that I never authorized. These inquiries severely damage my score and create the impression that I am desperate for credit, which is false. Excessive inquiries are a red flag for fraud, meaning someone may have misused my information. Each unauthorized inquiry is a violation of my privacy and consumer rights under the FCRA. 
The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries are damaging because every lender who views my file assumes I applied for credit repeatedly and was denied. This false impression lowers my credibility and makes me appear risky, which is untrue. 
CONCLUSION The wrong addresses, inaccurate charge-off, and unauthorized inquiries on my credit file are serious violations of the Fair Credit Reporting Act. They are destroying my financial credibility, blocking my ability to secure fair loans, and causing daily stress. My rights as a consumer are being ignored by both the reporting agencies and the furnishers of this information. Under the law, inaccurate and unverifiable information must be corrected or deleted. 
I respectfully request that the CFPB investigate these violations, require the credit bureaus to remove or correct these items, and hold the furnishers accountable for failing to comply with federal law. My credit report must reflect only accurate and verifiable information, nothing more, nothing less.

Company response to consumer: Closed with non-monetary relief