Consumer complaint received 2025-08-02 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
XXXX XXXX XX/XX/XXXXXXXX, TX XXXX Address Law : FCRA 602A, 604, 610, 611 Issue : This address is incorrect and does not belong to me Story : I have never lived at this address nor have I used it on any application or correspondence. Reporting this false address is a clear violation of my rights under the FCRA and may indicate potential identity confusion or mixed file reporting. Please delete it from my file. 

XXXX XXXX XXXX XXXX, TN XXXX Address Law : FCRA 602A, 604, 610, 611 Issue : This address is unknown to me and falsely associated with my credit profile Story : I do not recognize this address and have never been affiliated with it. Its appearance on my report is inaccurate, misleading, and harmful to my profile. I demand immediate removal under my FCRA rights. 

XXXX XXXX XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} Chargeoff * * Law : FCRA 602B, 611, 623 Issue : This account is reporting inaccurate derogatory information Story : I was never notified properly about the delinquency, nor was I given any opportunity to validate the debt. This account is damaging and unjustified. I dispute its reporting and request full investigation and deletion from my file. 

XXXX XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$410.00} Chargeoff * * Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), 602 Issue : Account shows as charged-off with inconsistent payment records Story : I never authorized this account, and I have serious concerns it may be due to error or identity confusion. The charge-off status is baseless and causing harm. Please investigate and delete. 

XXXX XXXX XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602, 611 Issue : Late payment reporting despite a XXXX balance Story : It is illogical and misleading to report me late when there was no outstanding debt. This appears to be an error in reporting and must be removed promptly. 

XXXX XXXX XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$470.00} Late Payment * * Law : FCRA 623, 611 Issue : Inaccurate payment history reporting harming my credit Story : I was never notified of any missed payments, and this entry does not match my personal records. It appears to be an error. I request its deletion after proper verification. 

XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$310.00} Late Payment * * Law : FCRA 602, 623 ( a ) ( 1 ) ( A ) Issue : Reporting of derogatory marks despite payment arrangement Story : I had a payment plan in place, and this late payment was reported unfairly. This reporting is misleading and unjust. Please reinvestigate and remove it. 

XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$320.00} Late Payment * * Law : FCRA 602, 623 Issue : False delinquency reporting Story : I believe this account is reporting incorrect dates and statuses which misrepresent my payment history. I demand deletion or correction after thorough investigation. 

XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 611 Issue : Late payment listed despite a closed/paid status Story : The account balance is XXXX, and there should be no negative reporting. This is inaccurate and unfair, and I request immediate removal. 

XXXX XXXX XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602, 623 Issue : Unjustified late payment reporting Story : I have no recollection of any delinquency on this account. The reporting is questionable and has affected my score negatively. I dispute its accuracy. 

XXXX XXXX XXXX XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 611, 623 Issue : Inaccurate payment reporting Story : This account is paid in full, and no late payments were ever missed. I request removal of this incorrect information from my credit file. 

XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$120.00} Late Payment * * Law : FCRA 602, 611 Issue : Reported late payments not supported by payment history Story : I have consistently made payments and was shocked to see a late mark. This is likely a data reporting error. Please investigate and delete. 

XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$1300.00} Chargeoff * * Law : FCRA 611, 623 Issue : Charged-off status without proper validation or communication Story : I was not informed nor did I agree to this outcome. I dispute this account and demand investigation into its validity and removal if unverifiable. 

XXXX XXXX XXXX XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX High Balance : {$240.00} Late Payment Law : FCRA 602, 611 Issue : Misleading and harmful late payment status Story : I was enrolled in hardship assistance during this time and should not be penalized. The late reporting is unjust and requires removal. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA 604 Issue : Unauthorized access to my credit profile Story : I did not initiate any application that would justify this inquiry. It is a violation of my privacy and needs to be removed immediately. 

XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX Inquiry Law : FCRA 604 Issue : Inquiry was not consumer-initiated Story : I did not authorize this inquiry and was not informed. This is a violation of FCRA and must be deleted. 

XX/XX/XXXXXX/XX/XXXX Inquiry Law : FCRA 604 Issue : Inquiry made without permissible purpose Story : I never applied for credit from this institution. This inquiry is unauthorized and must be permanently deleted from my file.

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, XX/XX/XXXX, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

Company response to consumer: Closed with non-monetary relief