Consumer complaint received 2025-11-08 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against several companies and credit reporting agencies for violating my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). These entities have reported, verified, and maintained inaccurate, duplicate, and unauthorized information on my credit report, which has caused me significant financial and emotional harm. 
Despite previous dispute attempts with the credit bureaus, the following accounts and inquiries remain falsely reported and unverified, and the furnishers have failed to provide any documentation to substantiate their claims. 
INCORRECT ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address These addresses are not connected to me in any way, and their presence creates confusion and potential fraudulent association. I demand their immediate deletion under FCRA 605 ( a ) ( 1 ) as they constitute inaccurate personal information. 
DISPUTED ACCOUNTS AND ERRORS The following accounts are either falsely reported, misrepresented, or unverifiable. I have no recollection, knowledge, or contractual agreement with some of these creditors. For others, the status being reported is false and damaging, showing incorrect charge-off or late payment remarks that are not based on factual payment history or valid evidence. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Charge Off I have no knowledge of this account, never received any valid contract or billing statement linking me to XXXX XXXX. This entry appears fraudulent and unverifiable. Please provide original documentation with my verified signature as required under FCRA 611 ( a ) ( 1 ) ( A ) or delete this account entirely. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2600.00} | Charge Off This account is being reported inaccurately. I never defaulted or authorized any activity under this account. This reporting damages my creditworthiness and violates my rights under FCRA 607 ( b ) for maintaining maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$140.00} | Charge Off I have never defaulted on any Self Financial account. The charge-off status is false and defamatory, and I request full investigation and removal if unverifiable documentation is not produced. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$700.00} | Charge Off This account does not belong to me, and the reporting of a charge-off is completely inaccurate. Please provide all supporting evidence, including original contract, payment record, and ownership verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$300.00} | Late Payment I have never made any late payments on this account. The late status is false and damaging. I am demanding full correction of payment history and removal of the late payment notation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off I dispute this entry as unverified and inaccurate. There is no contractual proof or payment record supporting a charge-off with a XXXX balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$190.00} | Charge Off This account reporting is inconsistent and unverifiable. I request deletion unless fully validated with signed documentation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$5500.00} | Charge Off This entry is false and misleading. I have no verified record of defaulting on this account. Please investigate and provide evidence, or remove it per FCRA 611 ( a ) and 609 ( a ) ( 1 ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$23000.00} | Late Payment I have never made any late payments on this account. The reporting of late payment is false and misleading. Please review the payment records carefully and correct this status immediately. Reporting inaccurate payment history violates FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment Reporting late payment on an account with a XXXX balance is logically inconsistent and a clear violation of FCRA 602A. If the account has been settled or paid in full, there should be no late payment mark. This entry must be corrected or deleted. 
XXXX XXXX XXXXXXXX XXXX  Acct : XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$800.00} | Collection I have no knowledge or record of this alleged debt. I was never notified of any account in collections from this agency. Under FCRA 611 ( a ) ( 1 ) ( A ), I request full validation of this debt. If you can not provide original signed documentation or proof of ownership, this account must be deleted immediately. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1100.00} | Collection This account is unverified and unfamiliar to me. I have no direct relationship or contractual obligation with XXXX XXXX XXXX. Reporting unverifiable debt is unlawful under FCRA 607 ( b ) and FDCPA 809 ( b ). I request deletion if original documentation can not be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2900.00} | Collection I have never opened or used any account with XXXX XXXX XXXX. This is a clear case of mistaken identity or fraudulent reporting. I request immediate deletion of this entry unless verifiable evidence is produced showing my signature and consent to the debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$730.00} | Collection XXXX XXXX is repeatedly reporting unverifiable and inaccurate accounts under my name. This constitutes duplicate and fraudulent reporting. Please remove this item if no original proof of ownership and authorization can be provided. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$860.00} | Collection This third entry from XXXX XXXX appears to be another duplicate or erroneous collection, and I have no contract or legal connection with this creditor. Continuing to report unverifiable or duplicate accounts violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Acct : XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$810.00} | Collection I dispute this collection because I have never received any notice of debt validation as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Without proper validation and original signed contract, this reporting must be deleted immediately. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$490.00} | Collection have no relationship with this agency and never owed this amount. The reporting of this collection is false, unverifiable, and damaging to my credit profile. Please provide validation or remove this entry completely. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$190.00} | Collection I have no knowledge or record of any account with XXXX XXXX XXXX. I have never authorized any financial agreement or been informed of any debt owed to this company. This appears to be a fraudulent or erroneous collection. Unless original documentation with my verified signature is produced, this entry must be deleted immediately under FCRA 611 and FDCPA 809 ( b ). 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Collection This account is duplicate and unverified. I have no connection to XXXX XXXX or any entity that transferred or sold this alleged debt. The repeated appearance of these XXXX  accounts constitutes duplicative and false reporting, a violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for false information reporting. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$310.00} | Charge Off I dispute this charge-off entry. I was never notified of any outstanding balance, nor did I default on any XXXX XXXX account. This charge-off is false and damaging to my credit profile. Please provide original billing records and signed service agreement to substantiate this claim or remove it permanently under FCRA 611 ( a ).

UNAUTHORIZED OR QUESTIONABLE HARD INQUIRIES Hard inquiries without my explicit consent or valid credit application are a violation of FCRA XXXX ( a ) ( XXXX ). These unauthorized inquiries are damaging my credit score and must be removed. 
XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX | Inquiries I have no record of applying for any credit with XXXX XXXX. This inquiry is unauthorized and must be deleted. 
LEGAL VIOLATIONS AND CONSUMER IMPACT : Each of the entities listed above has acted in violation of : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) : Failure to properly reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or false information to consumer reporting agencies.

FDCPA 809 ( b ) : Failure to provide validation of debts upon request.

FCRA 604 ( a ) ( 3 ) : Pulling consumer reports without permissible purpose.

These false, duplicate, and unauthorized entries have caused me loss of credit opportunities, emotional distress, and reputational damage. The repeated inaction by both the furnishers and the credit reporting agencies demonstrates willful noncompliance with federal consumer protection laws. 
Requested Relief and Actions : XXXX. Direct XXXX XXXX XXXX and XXXX XXXX to cease all false reporting and delete unverifiable and duplicate accounts from all credit bureaus. 
XXXX. Instruct all credit bureaus to remove the unauthorized hard inquiries listed above. 
XXXX. Impose penalties on the furnishers and reporting agencies for willful noncompliance under FCRA 616617.

4. Ensure all updates and deletions are reflected across Equifax, XXXX XXXX XXXX 
XXXX. Provide written confirmation of investigation results and corrective actions taken. 
I am attaching supporting documentation, including : Copy of my government-issued ID Proof of my current address Screenshots or copies of the disputed credit report entries I am requesting that the CFPB review this matter urgently and enforce compliance with all federal credit reporting standards to restore the accuracy and integrity of my consumer report.

Company response to consumer: Closed with non-monetary relief