Consumer complaint received 2025-10-27 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:
b'Dear Consumer Financial Protection Bureau,\nI am filing this formal complaint against XXXX XXXX XXXX XXXX, along with several creditors and collection agencies, for knowingly reporting inaccurate, unverifiable, and damaging information on my credit report. These entities have violated multiple sections of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) by reporting false data, failing to validate debts, and neglecting to correct information after being disputed.\nDespite my repeated attempts to resolve these issues directly with Experian and the furnishers, the following accounts continue to be reported inaccurately and are causing significant harm to my creditworthiness, financial stability, and emotional well-being.\nXXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\nXXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nThese addresses do not belong to me and may have contributed to mixed or fraudulent reporting.\nNow, regarding the following accounts and inaccuracies:\nXXXX XXXX Date Opened: XXXX  High BalanceXXXX XXXX  Charge Off\nI have no knowledge of this account and never opened any XXXX XXXX account. Please provide full documentation and proof of ownership or remove it from my report.\nXXXX XXXX Date Opened: XXXX  High Balance: XXXX  Charge Off\nThis account is inaccurate. I have no recollection of it, and it must be deleted immediately if not verifiable with original signed records.\nXXXX XXXX XXXX Date Opened: XXXX  High Balance: XXXX   Charge Off\nThis account was reported as charged off, but I have no record or association with it. It appears to be a mixed-file error and should be removed.\nXXXX XXXX Date Opened: XXXX  High Balance: $0  Late Payment\nThis account incorrectly shows late payments. I have never made any late payments on this account. Please investigate and correct the payment history.\XXXX XXXX XXXX Date Opened: XXXX  High Balance: XXXX   Late Payment\nThe reported late payments are false. I have always made on-time payments and request full correction of payment history.\XXXX XXXX XXXX  Date Opened: XXXX  High Balance: XXXX   Late Payment\nThis account shows inaccurate late payment reporting. Please verify and correct it.\nXXXX XXXX XXXX Date Opened: XXXX  High Balance: XXXX   Late Payment\nThis entry is falsely marked with delinquencies. Please investigate and ensure full correction.\nXXXX XXXX XXXX Date Opened: XXXX   High Balance: XXXX   Late Payment\nIncorrectly reported late payments. Please remove or fix this reporting error immediately.\nXXXX XXXX  Date Opened: XXXX  High Balance: XXXX  Charge Off\nThis is false information. I do not owe this debt. Please delete it from my report unless verifiable by original signed contract.\nXXXX XXXX XXXX Date Opened: XXXX  High Balance: XXXX  Charge Off\nI have no knowledge of this account. I never opened or maintained any credit line with this company. This appears to be a reporting error or mixed file and must be deleted immediately.\nXXXX XXXX XXXX  Date Opened: XXXX   High Balance: XXXX  Charge Off\nThis is false reporting. I have no record of this account. Please delete it as it is unverifiable and inaccurate.\nXXXX XXXX XXXX XXXX Date Opened: XXXX  High Balance: XXXX  Collection\nI dispute this collection. I have never received notice or proof of debt from XXXX XXXX XXXX. This appears to be inaccurate or duplicate reporting and must be deleted.\nXXXX XXXX  Date OpenedXXXX XXXX   High BalanceXXXX XXXX   Collection\nThis is an old and incorrect collection account. I have no open balance or obligation to this company. Please delete due to lack of verifiable documentation.\XXXX XXXX XXXX  Date Opened: XXXX  High Balance: XXXX  Collection\nI dispute the validity of this account. I do not owe this debt, and no signed documentation has been provided. Delete this entry at once.\nXXXX XXXX XXXX Date Opened: XXXX   High Balance: XXXX   Collection\nThis collection is completely unfamiliar. I have no record or knowledge of this debt. It must be deleted as unverified and inaccurate.\nXXXX XXXX Date Opened: XXXX  High Balance: XXXX  Collection\nI have never conducted any business with this creditor. This collection account is invalid and must be removed for non-verification.\nXXXX XXXX Date Opened: XXXX  High Balance: XXXX  Collection\nI have no knowledge of this collection and never received any notice from this agency. This violates my rights under the FCRA and FDCPA. Please delete this unverifiable entry immediately.\nIn addition, there are multiple unauthorized inquiries that I did not approve. These inquiries were made without my consent and are in violation of FCRA 604. They must be removed immediately:\nXXXX XXXX XXXX XXXX\n\nI never authorized these inquiries, nor did I apply for any credit accounts with these entities. They are causing unnecessary harm to my credit and must be deleted immediately.\nSummary of Violations:\n1.\tFCRA 602(A): Experian failed to maintain fair and accurate credit reporting practices.\n2.\tFCRA 607(B): Failure to ensure maximum possible accuracy by reporting false, outdated, and duplicate data.\n3.\tFCRA 611: Failure to reinvestigate and correct disputed items within the required 30-day period.\n4.\tFDCPA 809: Debt collectors failed to provide written validation notices prior to reporting alleged debts to the bureaus.\nThese violations have caused me financial and emotional distress, including being denied credit opportunities, experiencing higher interest rates, and suffering reputational harm due to false reporting. I have made multiple good-faith efforts to have these inaccuracies corrected, but XXXX and the listed furnishers continue to ignore federal compliance obligations.\nRequested Relief:\n\tImmediate removal of all unverified, duplicate, and inaccurate accounts listed above.\n\tWritten confirmation that each account has been deleted or fully verified with original documentation.\n\tFull investigation into XXXX failure to comply with FCRA requirements.\n\tAppropriate enforcement action against the furnishers involved in reporting these false entries.\nI respectfully request that the CFPB review this complaint and hold these entities accountable for their ongoing violations of federal consumer protection laws. These false reports have damaged my credit standing and personal financial integrity.\nThank you for your time, attention, and assistance in resolving this matter.'

Company response to consumer: Closed with non-monetary relief