Consumer complaint received 2025-08-26 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, I am submitting this formal complaint against the credit reporting agencies and the data furnishers who have willfully and negligently reported false, inaccurate, and unverified information on my credit report. These violations are in direct breach of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

The following items are being disputed as inaccurate, unverifiable, and damaging to my credit profile : XXXX XXXX XXXX, TX XXXX Wrong Address This address is not now, nor has it ever been, associated with me. Reporting such inaccurate information creates a false impression that I have lived at places I never resided, which suggests potential fraud or identity theft. Under FCRA 609, I am entitled to see all information associated with my file, and unless you provide actual proof of residence, this address must be deleted. Continuing to keep this on my report exposes me to potential fraud investigations and false assumptions by lenders. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This XXXX  XXXX was never mine. Linking my profile with this address misrepresents my identity. XXXX requires you to protect against identity theft, yet this inaccurate reporting does the opposite by exposing me to fraud risk. If you can not provide concrete documentation proving this belongs to me, it must be permanently deleted from my report. 
XXXX XXXX XXXXXXXX XXXX XXXX | High Balance : {$220.00} | Date Opened : XX/XX/XXXX | Late Payment XXXX XXXX  This account is being reported with late payments, which is false and unverified. Under FCRA 623 ( a ) ( 1 ), furnishers must provide only accurate and complete data. FDCPA 807 prohibits misrepresentation. No supporting billing statements or verified proof of delinquency has been provided to me. This false late payment is portraying me as irresponsible when in reality no valid evidence exists. As a result, I have been denied lower-interest credit cards and subjected to unfairly high rates, which has caused measurable financial harm. 
XXXX XXXX XXXX XXXX XXXX | High Balance : {$480.00} | Date Opened : XX/XX/XXXX | Charge Off XXXX XXXX This alleged charge-off is inaccurate. Under FCRA 611, credit bureaus must reinvestigate disputes, and if the data can not be verified directly with the original creditor, it must be deleted. No original signed contract, no complete account history, and no charge-off statement has been presented. This false entry makes it appear that I defaulted, which has harmed my chances at housing applications and auto financing. The psychological toll of being portrayed as someone who walks away from debts when no valid proof exists is unjust and unlawful. 
XXXX XXXX | High Balance : {$19000.00} | Date Opened : XX/XX/XXXX | Charge Off XXXX XXXX  This alleged account is inaccurately listed as charged off. I demand evidence such as original signed documents, complete transaction history, and proper chain of custody of the debt. Without this, continued reporting violates FCRA 611 and 623, which require prompt correction of inaccurate information. This false reporting has directly led to denials of mortgage applications, higher interest rates, and humiliation during financial reviews. 
XXXX XXXX XXXX  | High Balance : {$160.00} | Date Opened : XX/XX/XXXX | Collection XXXX XXXX  This account is unverified and inaccurate. FDCPA 807 prohibits the false representation of a debt, and FDCPA 809 requires validation, which I have not received. Continued reporting without proper validation is illegal. This false debt collection is damaging my credit profile and preventing fair access to credit. 
XXXX XXXX XXXX  | High Balance : {$970.00} | Date Opened : XX/XX/XXXX | Collection XXXX XXXX This collection account appears duplicative and unverifiable. Duplicate reporting of the same alleged debt is a violation of FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ), which prohibits creating a false impression of the amount or legal status of a debt. This misleading reporting makes it appear as though I owe more than I do, which is deceptive, harmful, and unlawful. 
XXXX XXXX | High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Collection XXXX XXXX This account is being reported without validation, violating FDCPA 809. No original proof of debt, ownership, or assignment has been shown. Reporting unverifiable data is unlawful and must be corrected. This false entry has damaged my ability to obtain affordable housing, credit cards, and fair financing. 
XXXX XXXX| High Balance : {$3000.00} | Date Opened : XX/XX/XXXX | Collection XXXX  This account is reported as a collection but has not been validated. Under FDCPA 809, a debt collector must provide validation before pursuing collection or reporting. To date, I have received no signed contract, billing statements, or proof of ownership of this alleged debt. Reporting unverifiable information violates FCRA 607 ( b ), which requires maximum accuracy. This false collection has caused me repeated credit denials and made it appear as though I defaulted when no verifiable proof exists. The XXXX, embarrassment, and financial setbacks are a direct result of this unlawful reporting. 
XXXX XXXX XXXX | High Balance : {$1200.00} | Date Opened : XX/XX/XXXX | Collection XXXX XXXX  This collection entry is false, duplicative, and unverifiable. FCRA 611 requires that disputed information be verified with supporting evidence or deleted within 30 days. No documentation has been presented to prove the validity of this debt. FDCPA 807 prohibits misrepresenting the legal status of a debt, which is exactly what this entry does. As a result, I have faced higher loan rates and rejection in housing applications, which is discriminatory and unfair under ECOA. 
XXXX XXXX XXXX XXXX | High Balance : {$750.00} | Date Opened : XX/XX/XXXX | Collection XXXX XXXX  This alleged collection is inaccurate. To this day, no debt validation letter, proof of ownership, or original account contract has been provided. Continued reporting without proof violates FDCPA 809 and FCRA 623. False collections lower my score, making me appear risky to lenders, when in reality this is a fabricated or mistaken entry. The damage extends beyond numbersit has caused me humiliation in financial dealings and denied me equal opportunities in credit markets. 
XXXX XXXX XXXXXX/XX/XXXX| Inquiry This inquiry was conducted without my permission. No loan application was made to XXXX XXXX. This violates FCRA 604 and CFPB reporting standards. Unauthorized inquiries like this unfairly penalize me by lowering my score and misleading future lenders. 
XXXX XX/XX/XXXX| Inquiry This inquiry is inaccurate and misleading. No business transaction or credit application was made with XXXX on this date. FCRA 604 prohibits this. The result is unfair scoring damage. 
XXXX XX/XX/XXXX| Inquiry This inquiry was unauthorized. Under FCRA 604, there is no permissible purpose without my consent. This inquiry must be permanently deleted. 
Harm Caused : Because of these false and negligent reports : I have been denied credit, housing, and auto loans. 
I have been subjected to higher interest rates, costing me thousands of dollars. 
My personal and financial reputation has been severely damaged. 
These false addresses expose me to identity theft risks, further compounding the harm. 
This situation has caused me XXXX XXXX financial hardship, and reputational harm. The reporting agencies and furnishers have failed to comply with federal law, and their negligence has directly injured me. 
Requested Relief : I respectfully request that the CFPB : 1. Order the immediate removal of all inaccurate addresses.

2. Investigate and require deletion of all unverified, duplicate, and false accounts listed above.

3. Hold the data furnishers and CRAs accountable for non-compliance with FCRA and FDCPA.

4. Ensure I receive confirmation of corrections in writing.

I have exhausted my attempts directly with the CRAs and furnishers, but they have failed to correct or delete these inaccuracies. I now seek the CFPBs enforcement to protect my rights under federal law.

Company response to consumer: Closed with non-monetary relief