Consumer complaint received 2025-10-28 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 filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) involving false addresses, unverified accounts, and unauthorized credit inquiries appearing on my credit reports. These errors are seriously damaging my creditworthiness, and despite my disputes, they have not been corrected. 
Wrong Addresses ( Identity Inaccuracy ) The following addresses are being falsely reported as mine. I have never resided or been associated with these addresses, and they are causing identity confusion and possible mixed file issues under FCRA 607 ( b ) ( requirement for maximum possible accuracy ) : 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  Please delete all of these inaccurate addresses immediately from my report, as I have no personal, residential, or financial connection to them. 
Account Disputes ( FCRA 611 Investigation of Disputed Information ) XXXX XXXXXXXX Date Opened : XXXXCredit Limit : XXXX XXXXtatus : Charge Off This account is inaccurately reported as a charge-off. I have no knowledge or record of any such account. I am requesting that you verify this information directly with the furnisher and provide documentation of the original signed agreement and payment history. If such verification can not be produced, this account must be deleted immediately per FCRA 611 ( a ) ( 5 ). 
XXXX XXXXXXXX Date Opened : XXXXCredit Limit : XXXX XXXXXXXXStatus : Late Payment This account is being wrongly reported as having late payments. I have never been late on this account, and the information being reported is inaccurate. Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I request correction of the payment history to show all payments as on time. 
XXXX XXXX XXXX XXXX XXXX Reported : XXXXXXXXAmount : XXXX XXXX : Collection I dispute this collection account because I have no contract or obligation with this agency. I have never received any notice of debt validation. Without proof of a valid debt, assignment, and my signature, this entry violates FDCPA 809 ( b ) and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX Reported : XXXXAmount : XXXX XXXXStatus : Collection This is a duplicate and unauthorized entry. I have no relationship with this collector and never authorized this account. Please delete this duplicate and unverified account under FCRA 611 ( a ) and FCRA 604 ( a ) ( 3 ) ( F ). 
XXXX XXXX XXXX Reported : XXXXAmount : XXXX XXXXStatus : Collection This debt is also not mine, and no validation notice or original creditor details have been provided. This reporting is unlawful under FDCPA 807 ( 8 ) for false representation and must be removed immediately.

Hard Inquiries ( Unauthorized or Unverified ) The following inquiries were made without my authorization or any permissible purpose under FCRA 604 ( a ). I did not apply for credit with any of these companies, and therefore, these inquiries must be deleted to protect my credit standing XXXX 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 XXXXXX/XX/XXXX I never authorized these companies to access my credit report. These are unauthorized inquiries and should be immediately deleted under FCRA 604 and 616.

Harm and Requested Resolution These reporting errors have caused significant harm to my credit reputation, prevented me from obtaining credit approvals, and have led to emotional distress.

I am requesting that the CFPB : 1. Investigate these false and unverified accounts.

2. Compel the credit reporting agencies and furnishers to delete all inaccurate or unverifiable information.

3. Remove all wrong addresses and unauthorized inquiries.

4. Provide me with written confirmation that these actions have been completed. 
Conclusion I have made several good-faith attempts to resolve these errors directly with the credit bureaus, but they remain unresolved. Therefore, I am seeking the CFPBs direct assistance to ensure compliance with federal law and to restore accuracy and fairness to my credit report. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief