Consumer complaint received 2025-11-05 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 against XXXX  XXXX XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ), including the continued reporting of inaccurate, unverified, and fraudulent information on my credit report, despite my disputes and requests for reinvestigation. 
XXXX  is reporting incorrect personal information, unverified charge-offs, collection accounts, and numerous unauthorized hard inquiries that I did not initiate or approve. These actions have caused significant harm to my credit standing and financial stability. 
Incorrect Personal Information Please delete the following addresses immediately, as I have never resided at these locations : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Inaccurate Account Information The following accounts are reported incorrectly and must be deleted as they are unverified or do not belong to me : XXXX XXXX High Balance : {$970.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off I have no knowledge of this account. Please delete it immediately. 
XXXX XXXX High Balance : {$18000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off This account does not belong to me and appears to be an error. Please remove it. 
XXXX XXXX High Balance : {$27000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off This account is inaccurate and unverifiable. Please delete it from my credit file. 
XXXX XXXX High Balance : {$970.00} | Date Opened : XX/XX/XXXX | Status : Collection I do not recognize this account and request immediate deletion. 
Unauthorized or Questionable Inquiries The following inquiries were not authorized by me and must be deleted under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Violations of Federal Law XXXX actions represent violations of the following provisions of the Fair Credit Reporting Act : XXXX Failure to ensure fair and accurate reporting XXXX ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy XXXX ( a ) ( XXXX ) ( A ) Failure to provide disclosure of account and source information upon request XXXX ( a ) ( XXXX ) ( A ) Failure to reinvestigate disputed information within the required 30 days XXXX ( a ) ( XXXX ) Unlawful access to consumer reports without permissible purpose Requested Action I am requesting that the CFPB conduct a full investigation into XXXX  handling of my credit report and compel them to : XXXX. Permanently delete all incorrect addresses listed above. 
XXXX. Delete or properly verify all the unverified accounts and duplicate entries. 
XXXX. Remove all unauthorized and impermissible inquiries. 
XXXX. Provide a corrected and updated copy of my credit report. 
XXXX. Confirm that XXXX  has reviewed and strengthened its compliance processes to prevent future violations. 
Harm Caused These reporting errors have resulted in severe credit damage, emotional distress, and loss of financial opportunities. I have been denied credit and subjected to higher interest rates because of XXXX negligence. 
I am requesting immediate intervention by the CFPB to ensure Experian complies with the FCRA and removes all inaccurate, unverified, and unauthorized information from my file.

Company response to consumer: Closed with non-monetary relief