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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Law/Issue : FCRA Section 611 Inaccurate address reporting Story : I have never resided at this location. Reporting inaccurate addresses on my credit report compromises the accuracy of my credit profile and may impact credit decisions. Correct reporting of address information is required under the FCRA to prevent errors or misunderstandings. 
Instruction : Verify with the original source. Delete immediately if verification is not possible. 

Account : XXXX XXXXXXXX High Balance : {$7300.00} Date Opened : XX/XX/XXXX Law/Issue : FCRA Sections 602, 611 Inaccurate account reporting, potential failure to properly report charge-off Story : I dispute this charge-off as I believe it has been reported inaccurately. I request verification of the debt and the complete account history, including signed agreements, statements, and all documentation showing the account balance and payment history. Reporting inaccurate charge-offs can significantly damage my creditworthiness and financial reputation.

Instruction : Validate all account details. Remove if documentation can not be provided or if information is inaccurate. 

Account : XXXX XXXX XXXXXXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Law/Issue : FCRA Sections 602, 611 Late payment reporting inaccuracy Story : I dispute the reported late payment on this account as inaccurate. I request a complete investigation with documentation from the creditor to verify whether any payment was truly late. Inaccurate reporting of late payments affects my credit score and may misrepresent my financial responsibility.

Instruction : Conduct a thorough reinvestigation and delete the late payment if it can not be fully verified with original creditor records. 

Account : XXXX XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Law/Issue : FCRA Sections 602, 611 Disputed charge-off reporting Story : I dispute this charge-off as it is reported inaccurately. I request proper verification, including original account statements, agreements, and payment history. Inaccurate charge-offs negatively affect my credit report, limit my access to credit, and violate my rights under the FCRA. 
Instruction : If verification fails or records are incomplete, delete this charge-off from my credit report. 

Inquiry : XXXX XX/XX/XXXX Law/Issue : FCRA Section 604 Unauthorized credit inquiry Story : I did not give consent for this inquiry. Unauthorized inquiries are a violation of my FCRA rights and harm my credit score. They must be removed if verification can not be provided.

Instruction : Validate authorization. Remove this inquiry immediately if authorization can not be confirmed.

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, XXXX XXXX, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

Company response to consumer: Closed with explanation