Consumer complaint received 2025-12-01 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:
To Whom It May Concern This is a formal complaint against multiple inaccurate, unverified, and misleading accounts, collections, charge-offs, and inquiries that are currently being reported on my consumer credit reports. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681i ( reinvestigation of disputed information ), 1681e ( b ) ( maximum possible accuracy ), and 1681s-2 ( a ) ( furnishers must report accurate information ). The accounts listed below are causing significant harm and hardship. I am demanding immediate verification with complete documentation or permanent removal if the furnisher can not substantiate the accuracy of the information. 
XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address I have XXXX connection to this address, no residency history, no lease, no mail, no identification records tied to it, and including this on my report is an extremely serious data integrity failure that puts me at identity theft risk and must be deleted without delay. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$560.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment reported is completely incorrect, I made my payments on time and never received any indication of delinquency, and the furnisher has no evidence or billing records to support this claim, meaning this is an FCRA 623 violation, and the payment history must be updated to reflect Never Late Paid On Time immediately. 
XXXX Acct : XXXX XXXX High Balance : {$410.00} Date Opened : XX/XX/XXXX Charge-Off * * I do not recognize this account, never opened it, never signed any agreement, and no documentation exists proving that I am the owner of this debt, making this an unverifiable and unauthorized account that must be removed immediately since reporting unknown accounts is a serious violation under 609 and 611. 
XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$27000.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment entries are inaccurate and do not match my actual payment activity, and there is no legitimate proof from the furnisher validating any late month, indicating this is likely a data-entry or reporting error, and therefore the entire payment history must be corrected to reflect accurate on-time payments. 
XXXX XXXX Acct : XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Charge-Off * * I have no connection to this account, never financed a vehicle under this account number, and no contractual agreement exists with my signature or identity, meaning this charge-off is falsely attached to my report, unverified, and must be deleted immediately for failure to establish ownership or liability. 
XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is impossible because my student loan was under deferment at the time, and federal loan rules prohibit reporting late payments during deferment, so this is an unlawful and inaccurate entry that must be corrected immediately. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$4900.00} Date Opened : XX/XX/XXXX Late Payment * * This reporting is also wrong because no payment was due during that period, my account was not in a billable status, and the servicer failed to update the accurate status, so this must be fixed as required by FCRA 623. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment shown here is incorrect because the account was not in active repayment at that time, meaning no late payment could legally exist, and this is an error that must be removed during reinvestigation. 
XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$8900.00} Date Opened : XX/XX/XXXX Late Payment * * This late entry is false because I had administrative holds and deferment protections during this period, and the servicer can not lawfully report delinquency under these conditions, so this must be corrected immediately. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is inaccurate, unsupported by any valid payment record, and conflicts with my deferment periods, meaning this furnisher-reported data is wrong and must be corrected or deleted completely. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$4200.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is completely inaccurate because my account was in deferment and no payment was due during this period, which means reporting any delinquency is illegal under federal student loan regulations, and this furnisher must correct the record immediately as required under FCRA 623 since no valid billing records exist that can support a late payment claim. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is also incorrect because I was not active in repayment at the time, and no documentation can prove otherwise, which means this entry is a clear data accuracy failure and must be deleted or corrected to reflect an on-time status since the servicer can not validate a late billing cycle that never existed. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is impossible because the account was under federally protected deferment during the timeframe, and loan servicers are prohibited from reporting delinquencies under deferment or forbearance, so this reporting error must be corrected immediately because it misrepresents my repayment behavior. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge-Off * * This account is not mine, I never applied for or authorized any loan with this lender, and the furnisher has failed to provide any original signed agreement or identity verification that links me to this debt, making it an unverified and fraudulent account that must be removed immediately. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is inaccurate because my account status did not require payment at this time, and the servicer has no accurate records showing a missed payment, meaning this delinquency is a direct reporting error and must be corrected or deleted under FCRA accuracy obligations. 
XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$950.00} Date Opened : XX/XX/XXXX Charge-Off * * I do not recognize this account at all, no documentation has been provided proving that I opened this account, and the furnisher has failed to verify ownership or provide any contractual evidence, making this an unauthorized and unverifiable account that must be deleted completely. 
XXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX High Balance : {$100.00} Date Opened : XX/XX/XXXX Charge-Off * * This account is not mine, I never authorized or applied for this loan, and the creditor has failed to provide any records showing my signature or identity, so this charge-off is unverified and must be deleted in compliance with FCRA reinvestigation requirements. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Collection * * This collection account is incorrect because I do not owe this debt, no original creditor documentation has been provided, and XXXX has a known history of purchasing unverified debt, meaning this must be removed since it can not be validated under 609 or 611 requirements. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$410.00} Date Opened : XX/XX/XXXX Collection * * I do not recognize this debt, and the furnisher has failed to present proof of ownership, original account records, or any contract connecting me to this amount, making this an unverifiable and inaccurate collection account that must be deleted. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection * * This account is not mine, no validation has been provided, no contract exists linking me to this company, and this appears to be an identity-related reporting error, meaning this collection account must be removed immediately for failure to establish authenticity or ownership. 
XXXX XXXX Acct : XXXX High Balance : {$9700.00} Date Opened : XX/XX/XXXX Collection * I do not recognize this account, never authorized any transaction with this company, and no valid contract or proof of ownership has been provided, meaning this is an unverified and inaccurate collection entry that must be deleted immediately under FCRA 609 and 611 because the furnisher can not validate the debt. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX Charge-Off * * This charge-off is completely incorrect because I have no knowledge of this account, never opened any loan with this lender, and the creditor has failed to provide authentication, identity verification, or any original signed agreement, making this an unauthorized and fraudulent account that must be removed. 
XXXX XXXX Acct : XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX Collection * * This collection is inaccurate because I do not owe this debt, never received any notice, never acknowledged this amount, and no original creditor documentation has been provided, making this an unverifiable and invalid collection account that must be removed immediately under FCRA accuracy standards. 
INQUIRIES ( Unverified / Unauthorized Hard Pulls XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This appears to be a duplicate unauthorized inquiry, I never granted permission, and it must be removed since it damages my credit without legitimate purpose. 
XXXX Inquiry Date : XX/XX/XXXX I never permitted this inquiry and no application exists, therefore it must be removed because it violates FCRA permissible purpose. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is unauthorized, no application was submitted by me, and the furnisher can not produce proof of permission, so it must be deleted. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was not approved by me, I did not seek credit from this lender, and it must be removed as unauthorized. 
I am requesting the CFPB to fully investigate these inaccurate entries and require the credit bureaus and furnishers to provide full supporting documentation including original signed agreements, complete account histories, validation notices, and proof that I am legally responsible. If validation can not be produced, I request immediate removal of all disputed items. Under FCRA, the burden of proof is on the furnisher to verify accuracy. These accounts and inquiries are causing severe damage to my creditworthiness and financial stability. I request immediate action and written confirmation of results.

Company response to consumer: Closed with non-monetary relief