Consumer complaint received 2025-10-03 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:
I am submitting this complaint to formally dispute numerous inaccuracies and wrongful reporting on my credit report. These inaccuracies are damaging my financial reputation, misrepresent my creditworthiness, and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported to credit bureaus must be accurate, complete, and verifiable. I demand immediate investigation, correction, and/or deletion of all inaccurate entries listed below. I have never resided at the addresses reported incorrectly, I have never authorized or made late payments reported falsely, and several inquiries were unauthorized or inaccurate. 
Wrong Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never lived at this property. Its inclusion on my credit report misrepresents my residential history, which can lead to mistaken identity, wrongful assumptions about my financial responsibility, and even potential fraud. Reporting this false address violates FCRA Section 1681c-2 and compromises the integrity of my credit report. I request immediate removal and verification that this address will not appear in any future reporting. The presence of this address has caused me significant concern about the possibility of identity confusion and misdirected communications from creditors. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never had any connection to this property. Its reporting is entirely inaccurate and could mislead lenders or landlords into thinking I resided there, causing undue stress, potential loan denials, and erroneous assumptions about my financial history. Under FCRA, inaccurate addresses must be deleted to maintain the accuracy and integrity of my consumer report. This false reporting undermines my ability to apply for housing, credit, or services without fear of being misidentified. 
XXXX XXXX XXXX, XXXX XXXX, TX XXXX This address is not associated with me in any way. Its inclusion distorts my personal history, creates confusion with credit verifications, and exposes me to the risk of identity-related mistakes. The reporting of this false address is a violation of FCRA 15 U.S.C. 1681i ( a ), and I demand its immediate deletion to prevent further negative consequences. It is unacceptable that my credit report contains addresses where I have never resided, and I insist on correction. 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never occupied this residence. Reporting it as part of my credit history is false, misleading, and harmful. This misrepresentation can cause lenders or service providers to incorrectly evaluate my creditworthiness. I request immediate removal and written confirmation that this inaccuracy will be corrected. Including addresses where I have never lived is misleading, and it negatively impacts my ability to conduct financial transactions safely. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have no connection to this unit or address. Its inclusion falsely suggests I have lived at multiple unrelated locations, which can cause confusion for lenders, landlords, and other institutions verifying my information. Such false reporting is illegal under FCRA Section 1681c-2 and must be corrected immediately. Maintaining accuracy in address reporting is critical to protecting my identity and credit history. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never lived at this property, and reporting it is misleading, harmful, and a violation of my rights under FCRA. It creates a false history that could lead to identity confusion, incorrect credit evaluations, or rejection of credit applications. I demand immediate deletion and confirmation from the credit bureau that this address will no longer appear on my report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have no association with this address. Its inclusion in my credit report is entirely inaccurate and misleading. The false reporting of my address history violates 15 U.S.C. 1681i ( a ) and damages my credibility with lenders and service providers. Immediate removal is required to maintain the accuracy and reliability of my credit file. 
Account Disputes Incorrect Late Payments Reporting : XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment The reporting of late payments on this account is false. I have never been late on this account. Such inaccuracies misrepresent my financial responsibility and violate FCRA 15 U.S.C. 1681s-2 ( b ). The presence of false late payment data reduces my creditworthiness, can result in higher interest rates, and harms my reputation with current and prospective lenders. I demand immediate correction and verification of my payment history. 
XXXX XXXX High Balance : {$8300.00} Date Opened : XX/XX/XXXX Late Payment I have never missed payments on this account. The reporting of late payments is false, misleading, and illegal under FCRA Section 1681s-2 ( b ). This misreporting affects my credit score and could result in denial of loans or higher interest rates. I insist on a full investigation, correction of my payment history, and written confirmation that all reported late payments are removed and replaced with accurate, on-time payment records. 
XXXX XXXXXXXX * High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off * * I have no knowledge of this account and never opened, authorized, or used any account with PNCBANK under this number. Its reporting as a charge-off is completely false and misleading. Reporting this account without my authorization is a violation of FCRA Section 1681s-2 ( b ) and misrepresents my credit history to current and future lenders. The presence of this false charge-off is damaging my credit score, causing stress, and limiting my ability to obtain loans or favorable interest rates. I demand immediate deletion and confirmation that this account will be removed from all credit reports. 
XXXX XXXX XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Collection * I have no knowledge of this account. It is reported as a collection account without my consent or prior notification. Reporting an account I never authorized or used constitutes a violation of FCRA Sections 1681s-2 ( b ) and 1681i ( a ). This false reporting is materially harming my credit score and financial reputation. I demand immediate removal of this collection account and written confirmation from the credit bureau that my credit file has been corrected. 
Unauthorized/Inaccurate Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX I did not authorize this inquiry. Reporting unauthorized inquiries is misleading, and it falsely implies that I attempted to obtain credit or entered a contractual relationship with this entity. I request immediate deletion to prevent further harm to my credit profile. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I have no record of authorizing a credit inquiry with XXXX XXXX XXXX Reporting this inquiry as part of my credit history is inaccurate, misleading, and violates FCRA Section 604. I demand its removal and written confirmation that my report has been corrected. 
Legal Basis for Complaint : Under FCRA ( 15 U.S.C. 16811681x ), credit reporting agencies must maintain accurate and complete information. Reporting of accounts I have no knowledge of, false late payments, and unauthorized inquiries constitutes violations of Sections 1681c-2, 1681i ( a ), 1681s-2 ( b ), and 604. I demand enforcement, deletion of false accounts, correction of late payments, and removal of unauthorized inquiries. I reserve the right to pursue additional legal remedies, including damages under 15 U.S.C. 1681n, for any willful violations. 
I request that the CFPB promptly investigate and ensure all reporting agencies correct or remove all inaccuracies. I expect a written response confirming the actions taken on each disputed item.

Company response to consumer: Closed with non-monetary relief