Consumer complaint received 2025-10-02 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 submitting this formal complaint against multiple creditors, furnishers, and credit reporting agencies for serious and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. The following inaccurate, unverifiable, and misleading information has been reported on my credit file, causing me financial harm, emotional distress, and significant barriers to credit opportunities.

1. Wrong Address Reporting XXXX XXXX XXXX XXXX, XXXX, TX XXXX This is not my address and is being falsely associated with me. This is a clear violation of the FCRAs requirement that credit reporting agencies maintain accurate consumer records.

2. Charge-Off Accounts Reported in Error XXXX XXXX {$670.00}, Date Opened : XX/XX/XXXX XXXX XXXX  XXXX {$1400.00} , Date Opened : XX/XX/XXXX XXXX  XXXX {$24000.00}, Date Opened : XX/XX/XXXX These accounts are inaccurately reported and unverifiable. There is no proper validation of the alleged debt, and the reporting continues to damage my credit unfairly. 

3. Late Payments Reported Improperly XXXX XXXX XXXX {$600.00}, Date Opened : XX/XX/XXXX XXXX XXXX {$3500.00} ( XX/XX/XXXX ), {$2000.00} ( XX/XX/XXXX ), {$20000.00} ( XX/XX/XXXX ), {$29000.00} ( XX/XX/XXXX ) These accounts are reporting multiple late payments without sufficient validation or proper documentation. These notations are inaccurate, misleading, and must be removed. 

4. Collection Accounts Reported Without Validation XXXX XXXX XXXX XXXX {$680.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$530.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$290.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$7300.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$84.00}, Date Opened : XX/XX/XXXX These debt collectors have failed to provide full validation of the alleged debts under FDCPA 809 ( b ). Reporting unvalidated debts to the credit bureaus is a violation of both the FDCPA and FCRA.

5. Unauthorized Inquiry XXXX XXXX XX/XX/XXXX This inquiry was done without my authorization, consent, or permissible purpose, in direct violation of FCRA 604 ( a ) ( 3 ).

Legal Violations & Relief Requested The above accounts and notations represent clear violations of : FCRA 602 ( A ), 607 ( b ), 609, 611 Failure to ensure maximum accuracy, failure to provide proper investigation, and failure to correct or delete inaccurate information.

FDCPA 807 & 809 ( b ) Reporting of unvalidated debts, deceptive collection practices.

I am demanding the following relief : Immediate investigation and removal of all inaccurate addresses, charge-offs, collections, late payments, and inquiries listed above.

Written confirmation of deletion from all three major credit reporting agencies ( XXXX, Equifax, and XXXX  ).

Corrective action taken against the furnishers and debt collectors who have violated federal law.

Failure to address these violations will leave me no choice but to escalate this matter to legal counsel for further action, including potential civil claims for damages under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief