Consumer complaint received 2025-08-11 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple false addresses, inaccurate account reporting, and unauthorized credit inquiries. These serious violations have caused significant damage to my credit profile, hindered my ability to obtain credit, and harmed my financial reputation. The reporting parties and credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy, by continuing to report unverified and disputed information, and by allowing unauthorized access to my credit file. I am demanding that the CFPB take immediate enforcement action to investigate, compel compliance, and ensure permanent removal of all inaccurate and unauthorized information from my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Chargeoff Law : FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) Issue : Amount and reporting date are questionable. 
Story : This accounts reporting conflicts with my own records. I have never been provided the original agreement or a statement proving the exact amount owed at the time of charge-off. Without verification directly from XXXX XXXX XXXX, there is no legal basis for you to continue reporting this derogatory item. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Late Payment Law : FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) Issue : Late payment can not be confirmed. 
Story : I have never seen a late payment notice from this creditor, and my records indicate all payments were made on time. If a payment was marked late, it could have been due to the creditors internal posting delay rather than my actual payment date. This makes it inaccurate to penalize my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Chargeoff Law : FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) Issue : Status and balance conflict with my records. 
Story : I do not believe this balance or charge-off status is correct. If this debt was paid, settled, or sold, it should no longer appear in this form. Unless you have a signed original account application and proof of balance calculation, delete it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} Chargeoff Law : Same as above. 
Issue : This debt is unverified and potentially obsolete. 
Story : This is more than a decade old and may be past the legal reporting limit. Continuing to list it harms my credit without providing any benefit to lenders, especially when no current documentation exists to verify it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Late Payment Law : Same as above. 
Issue : Alleged late payment is unproven. 
Story : I dispute this entry entirely. The claimed late payment is inconsistent with my own bank transaction history, and without official billing and payment records, it is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Chargeoff Law : Same as above. 
Issue : Inaccurate and unverifiable. 
Story : I have not been shown how this amount was calculated or when the account officially defaulted. Any reporting without clear, documented evidence is unlawful. 

XXXX XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$810.00} Chargeoff Law : Same as above. 
Issue : Account data is inconsistent. 
Story : This account may be a duplicate of another listing or misattributed entirely. The amounts and dates do not match any legitimate debt I have.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Late Payment Law : Same as above. 
Issue : Payment reporting unverified. 
Story : I have no relationship with XXXX XXXX. This appears to be a debt buyer reporting without proof of ownership. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$270.00} Collection Law : Same as above. 
Issue : Not my debt. 
Story : This account is unknown to me, and no contract in my name exists. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$760.00} Collection Law : Same as above. 
Issue : No proof provided. 
Story : This collection appears without any original account data or signed agreement..

U.S. Bankruptcy Court Reference # XXXX Bankruptcy Law : Same as above. 
Issue : Bankruptcy record incorrect. 
Story : I have never filed bankruptcy. This appears to be a file-mix error, and unless you can provide a certified court record with my name and case number, delete it. 

INQUIRIES XXXX XXXXXX/XX/XXXX Law : FCRA 604, 607 ( b ) Must have permissible purpose. 
Issue : Unauthorized inquiry. 
Story : I never applied for financing or credit through XXXX XXXX. Unauthorized inquiries harm my credit profile and privacy. 

XXXX XXXXXX/XX/XXXX Law : Same as above. 
Issue : Unauthorized inquiry. 
Story : I have never interacted with this lender. 

XXXXXXXX XXXXXX/XX/XXXX Law : Same as above. 
Issue : Unverified inquiry. 
Story : This inquiry is unrelated to any credit application I have made. 

XXXX XXXXXX/XX/XXXX Law : Same as above. 
Issue : Unverified inquiry. 
Story : I never authorized this company to access my credit. 

XXXX  XX/XX/XXXX Law : Same as above. 
Issue : Unauthorized inquiry. 
Story : I have not applied for any loans or services from this company. 

XXXX XX/XX/XXXX Law : Same as above. 
Issue : Unauthorized inquiry. 
Story : I never applied for credit from XXXX XXXX. 

XXXX XX/XX/XXXX Law : Same as above. 
Issue : Unauthorized inquiry. 
Story : I did not authorize this credit pull. 

XXXX XXXX XX/XX/XXXX Law : Same as above. 
Issue : Unauthorized inquiry. 
Story : This inquiry appears without my consent or knowledge.

I am requesting that the CFPB exercise its authority to enforce the provisions of the FCRA and hold the credit reporting agencies and furnishers accountable for these ongoing violations. The reporting of inaccurate addresses, unverified charge-off accounts, and unauthorized inquiries is a direct breach of my consumer rights. These actions have caused measurable harm to my creditworthiness and personal integrity. I demand that the CFPB require immediate deletion of all disputed and unverified items, removal of unauthorized inquiries, and provide me with written confirmation of all corrections within 30 days. Failure to address these violations will leave me no choice but to pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief