Consumer complaint received 2025-06-20 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, This is a formal complaint regarding inaccurate, unverifiable, and unauthorized information being reported by Equifax in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite attempts to resolve these issues, Equifax continues to report incorrect addresses, unverifiable accounts, and hard inquiries that are negatively affecting my credit profile.

Inaccurate Personal Addresses Being Reported ( Wrong Address ) These addresses have never belonged to me. Equifax is reporting these incorrect addresses, which suggests a mixed file or identity theft. This violates : FCRA 1681e ( b ) Failure to assure maximum possible accuracy.

FCRA 1681c ( a ) ( 4 ) Outdated and irrelevant personal data. 
Addresses to Remove Immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Story : I have never lived at or been affiliated with any of these addresses. Their presence on my credit file may indicate identity theft or a mixed credit file with another consumer. These must be immediately removed to ensure data accuracy under FCRA. 
Disputed Accounts Being Reported XXXX XXXX XXXX Account # XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Story : I have disputed this account multiple times due to its incorrect reporting and lack of documentation. Equifax failed to provide verification or proof that this debt is accurate or legally owed by me. The continued reporting is damaging and a violation of FCRA 1681i ( a ) and 1681e ( b ). 
XXXX XXXX XXXX Account # XXXXXXXX XXXX  High Balance : {$23000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Story : This account is outdated and beyond the allowable reporting period for negative accounts in many cases. I did not authorize the original loan, and no supporting evidence has been furnished. I am requesting a full deletion based on FCRA 1681c ( a ) ( 4 ) and FCRA 1681i ( a ). 
XXXX XXXX XXXX IN Account # XXXXXXXX XXXX  High Balance : {$470.00} Date Opened : XX/XX/XXXX Status : Collection Story : I do not recognize this debt and was never contacted by the creditor or collection agency for validation. Under FDCPA 809 and FCRA 1681i, I have the right to validation, which has not been provided. Equifax should not be reporting this debt without proper verification. 
XXXX XXXX XXXX Account # XXXX * High Balance : {$970.00} Date Opened : XX/XX/XXXX Status : Collection Story : This collection account is unknown to me. I never received any communication or documentation related to this debt. Continued reporting without validation violates FDCPA 809 ( a ) and FCRA 1681b ( no permissible purpose ). 
XXXX XXXX XXXX Account # XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Status : Collection Story : This is another unrecognized and unverifiable collection entry. No original creditor has been identified, and no notice or debt validation has been issued to me. Reporting such an account without compliance breaches FCRA 1681i and FCRA 1681e ( b ). 
XXXX XXXX Account # XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Status : Collection Story : I have never had any contractual or financial relationship with this agency. I never received any communication from them, and they have failed to validate this debt. Reporting such accounts without validation is illegal under FDCPA and violates FCRA 1681i. 
Unauthorized Inquiry XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Story : I did not authorize or initiate any credit application or inquiry with XXXX XXXX XXXX. This hard inquiry is unauthorized and damaging my credit unnecessarily. This violates FCRA 1681b ( no permissible purpose ) and FCRA 1681n ( willful noncompliance ).

Request for Relief I am requesting the CFPB ensure that Equifax takes the following actions within 30 days : 1. Immediate deletion of all wrong addresses listed above.

2. Removal of all inaccurate, unverifiable accounts listed above.

3. Deletion of the unauthorized hard inquiry from XXXX XXXX XXXX. 
4. Assurance that my credit file reflects only verified, accurate, and authorized information.

Company response to consumer: Closed with non-monetary relief