Consumer complaint received 2025-09-26 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:
b'To Whom It May Concern,\nI am submitting this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items being reported on my credit file. These entries are in direct violation of my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. The presence of these false items has caused me harm, including damage to my credit reputation, denial of opportunities, and unnecessary XXXXXXXX XXXX XXXX XXXX, TX XXXX   Wrong Address\nThis address has never belonged to me, I have never lived at this property, nor have I ever used it for any financial purpose. Reporting this address is a violation of 15 U.S.C. 1681e(b), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. This misinformation creates the false impression of residency, identity confusion, and increases my risk of fraud and identity theft. The presence of this address is damaging to my credibility, and I demand its permanent deletion from my file immediatelyXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX   Wrong Address\nThis is another address that has no connection to me whatsoever. I have never rented, owned, or received mail at this location. The reporting of this address is reckless, misleading, and unlawful. It gives the impression that I have ties to multiple residences that are completely false, which not only confuses creditors but also makes me a target for fraud. Under 15 U.S.C. 1681i, I have the right to dispute and demand deletion of any inaccurate information, and I am doing so nowXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX   Wrong Address\nThis is another false and misleading address that has been improperly attached to my file. The reporting of this location is highly negligent and is a violation of my rights under the Fair Credit Reporting Act. I have no history at this residence, I never used it for financial transactions, and I demand proof of any alleged connection. Since there is none, the only legal action is permanent removal. Continued reporting is a reckless disregard of accuracy requirements and subjects the reporting agency to liability under federal law.XXXX XXXX XXXX XXXX, TX XXXX  Wrong Address\nThis address is not mine and has never been mine. By placing this inaccurate address on my file, the credit bureaus have caused damage to my personal reputation and financial opportunities. This is not only harmful but also unlawful under federal statutes requiring accurate reporting. I am demanding full deletion of this address and verification records that show how and why it was placed on my file. Failure to correct this will be considered willful noncompliance with the FCRAXXXX XXXX XXXX XXXX   Charge Off**\nReported High BalanceXXXX XXXX XXXX  Date Opened: XXXX  have no knowledge of this alleged account, I have never signed for or received any credit product from XXXX XXXX XXXX, and I strongly deny owing any debt to them. Reporting this as a charge-off is fraudulent, inaccurate, and in violation of 15 U.S.C. 1681s-2. This account is clearly unverifiable and must be deleted immediately. Continuing to report a debt that cannot be proven violates the FCRA and FDCPA, and I reserve my right to seek damages for this willful misconduct.XXXX XXXX XXXX XXXX   Charge Off**\nReported High Balance: $XXXX  | Date Opened: XXXXThis account is being reported as a charge-off, which is completely false. I have never defaulted on this account, and I have no knowledge of any such charge-off being legitimate. This false report is destroying my creditworthiness and is a direct violation of my rights under the Fair Credit Reporting Act. If the creditor claims this account is mine, they must provide full documentation, including signed agreements and payment history. Without proof, the account is fraudulent and must be deleted at once.XXXX XXXX XXXX XXXX XXXX   Late Payment**\nReported High Balance: $XXXX  | Date OpenedXXXX XXXXXXXXThis account is being reported with late payments, which is completely inaccurate. I have never made late payments on this account, and the reporting is a false misrepresentation of my payment history. This is a direct violation of 15 U.S.C. 1681e(b), as the reporting agency failed to ensure accuracy before publishing damaging information. I demand the payment history be corrected to reflect on-time payments only. This false late payment reporting is reckless, damaging, and unlawfulXXXX XXXX   Late Payment**\nReported High Balance: XXXX | Date Opened: XXXX\nThis account is incorrectly being reported with late payments. I have always maintained timely payments, and the current reporting is inaccurate, misleading, and harmful. False reporting of payment history violates federal law and directly damages my consumer reputation. I demand that all late payment notations be removed and the record updated to reflect accurate payment history. Failure to correct this will be treated as willful noncompliance under the lawXXXX XXXX XXXX XXXX Charge Off**\nReported High Balance: XXXX XXXX Date OpenedXXXX XXXX  have no knowledge of this alleged account and I deny any responsibility for it. I never opened this credit line and never signed any agreement with XXXX XXXX XXXX. Reporting this as a charge-off is fraudulent and harmful. Under 15 U.S.C. 1681i, I have the right to dispute and request removal of unverifiable information. Unless full documentation is provided showing my signature and obligation to this account, it must be permanently deleted.XXXX XXXX XXXX XXXX XXXX Charge Off**\nReported High Balance: $XXXX  | Date Opened: XXXXThis is another false charge-off being reported against me. I have no knowledge of this debt, nor have I ever been notified by XXXX XXXX XXXX XXXX  of any delinquency. This information is inaccurate, unverifiable, and in violation of federal law. Without signed documentation proving this account belongs to me, it must be deleted immediately. Continued reporting is reckless disregard for the truth and subjects the data furnisher and bureaus to liability.XXXX XXXX XXXX XXXX XXXX   Late Payment**\nReported High Balance: $XXXX  | Date Opened: XXXXXXXXThis account is being reported with late payments, which is completely false. I have never made any late payments on this account. This inaccurate reporting misrepresents my payment history and violates 15 U.S.C. 1681e(b). False reporting of payment performance causes financial harm, including denial of credit opportunities. I demand that the payment history be corrected immediately to reflect an accurate on-time recordXXXX XXXX XXXX  Late Payment**\nReported High Balance: $XXXX  | Date Opened: XXXXThis account has been falsely reported with late payments. I strongly dispute this notation as I always paid on time. This false history damages my consumer profile and creates a misleading credit picture for lenders. Under 15 U.S.C. 1681i, I am exercising my right to dispute and request correction of this reporting. The late payment entries must be deleted immediately and the account updated to reflect accurate reportingXXXX XXXX   Late Payment**\nReported High Balance: XXXX | Date Opened: XXXXnThis account is showing late payments which are completely inaccurate. I have always made my payments on time and never failed to meet my obligations. Reporting me as late is reckless and false. This error damages my creditworthiness and is a violation of 15 U.S.C. 1681e(b), which requires the bureaus to ensure maximum accuracy. I demand the late payment notations be permanently removed and the history corrected to reflect on-time payments onlyXXXX XXXX  Late Payment**\nReported High Balance: $XXXX  | Date Opened: XXXXThis account is incorrectly reporting late payments. I deny ever being late on this account, and the reporting is false and misleading. This damages my financial standing and directly violates my rights under the FCRA. I demand a reinvestigation and removal of all late payment entries from this accountXXXX XXXX  Late Payment**\nReported High Balance: $XXXX  | Date OpenedXXXX XXXXThis account is another example of false late payment reporting. I always paid on time, and there is no valid evidence that I was delinquent. The presence of late payments is inaccurate, harmful, and unlawful. I demand that the credit history be corrected to reflect accurate reportingXXXX XXXX  Late Payment**\nReported High Balance: $XXXX | Date Opened: XXXXThis account is showing false late payments that are damaging my reputation as a borrower. I have no record of being late on this account, and the reporting is fabricated. Under 15 U.S.C. 1681i, I have the right to dispute and demand correction of inaccurate information. I require the immediate deletion of all late payment notationsXXXX XXXX   Late Payment**\nReported High Balance: $XXXX  | Date OpenedXXXX XXXXThis account is reported with late payments which are untrue and unlawful. I dispute the accuracy of this reporting and demand correction. False late payment entries create an inaccurate picture of my payment behavior, which is a violation of my rights under the FCRA. I demand that this be corrected immediatelyXXXX XXXX XXXX  Late Payment**\nReported High Balance: $XXXX  | Date Opened: XXXXThis account is being falsely reported with late payments. I strongly dispute this because I never missed or delayed any payment. The reporting is inaccurate, misleading, and unlawful under 15 U.S.C. 1681s-2. I demand deletion of the false notations and correction of the account to show on-time payment history.XXXX XXXX XXXX XXXX XXXX  Collection**\nReported High Balance: $XXXX  | Date OpenedXXXX XXXX have no knowledge of this alleged account or debt, and I deny any responsibility for it. Reporting this as a collection is fraudulent, harmful, and in direct violation of 15 U.S.C. 1681i, as the item is unverifiable. I have never received any documentation, contract, or billing that proves this debt belongs to me. Therefore, it must be permanently deleted. Continued reporting without proof constitutes willful noncompliance and subjects the furnisher and reporting agency to liabilityXXXX XXXX XXXX XXXX XXXX   Collection**\nReported High Balance: $XXXX  | Date Opened: XXXXXXXXThis is another false collection account being reported against me. I have no knowledge of this alleged debt, and I never entered into any agreement with XXXX XXXX XXXX XXXX Reporting this account is harmful, fraudulent, and in violation of my rights under federal law. Without valid proof, such as signed agreements or detailed billing, this account must be permanently deleted from my fileXXXX XXXX XXXX XXXX   Collection**\nReported High Balance: $XXXX  | Date Opened: XXXX  have no knowledge of this alleged debt and never entered into any agreement with XXXX XXXX XXXX This collection is fraudulent, damaging, and unverifiable. Under 15 U.S.C. 1681i, the reporting of this account without proof of ownership is unlawful. Since no documentation exists to verify this debt, it must be permanently deleted.XXXX XXXX XXXX XXXX  Collection*\nReported High Balance: $XXXX  | Date Opened: XXXXThis collection account is completely false. I do not recognize this debt, nor have I ever received billing or contracts from XXXX XXXX XXXX Reporting unverifiable collections violates the FCRA and FDCPA. I dispute this account and demand deletion immediately, as it is fraudulent and harmful to my consumer rightXXXX XXXX XXXX XXXX  Collection**\nReported High Balance: XXXX XXXX Date OpenedXXXX XXXXThis account is vague, unverifiable, and completely fraudulent. XXXX XXXX has attached an account to my credit report without proof or documentation. This is reckless, harmful, and unlawful. Without signed agreements and complete billing records, this entry cannot remain. I demand its immediate deletionXXXX XXXX XXXX  Charge Off**\nReported High Balance: $XXXX  | Date Opened: XXXXThis account is inaccurately reported as a charge-off. I have no knowledge of ever defaulting on this account, and I deny any claim of nonpayment. Reporting a charge-off without proof of delinquency is a violation of the FCRA and directly damages my creditworthiness. I demand deletion of this false charge-off immediately.XXXX XXXX XXXX XXXX XXXX   Charge Off**\nReported High Balance: $XXXX  | Date Opened: XXXXThis account is being falsely reported as a charge-off. I have no record of default, nor did I ever receive official notices of such action. This is inaccurate, misleading, and unlawful under 15 U.S.C. 1681. I demand verification with full documentation, and if such cannot be provided, this account must be permanently deleted from my file.XXXX XXXX XXXX   Charge Off\nThis account is being reported as a charge-off with a balance of $XXXX. I have no knowledge of ever having an account with XXXX XXXX, and I was never notified of any delinquency. Reporting a charge-off with no valid balance and without proof of contractual obligation is misleading and a direct violation of FCRA  602(A) and  607(B). This reporting must be deleted.XXXX XXXX XXXX XXXX XXXX  Charge Off*\nThis charge-off is being reported inaccurately. I have no knowledge of this account, no contract, and no agreement with this creditor. No validation has been provided, and reporting it without evidence violates FCRA  609(a) and  611(a). This account must be removedXXXX XXXX XXXX XXXX   Late Payment**\nThis account is reporting late payments. I dispute these as inaccurate because I have never missed any payments. Reporting false late payments damages my payment history and creditworthiness. This violates FCRA  607(B), which requires maximum accuracy. The account history must be corrected immediately to reflect on-time payments.\nUnauthorized Hard Inquiries\nUnder FCRA  604(a), a consumer reporting agency may only furnish a report when there is a permissible purpose and with my authorization. The following inquiries were made without my knowledge or consentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never authorized these companies to access my credit file. These inquiries are damaging my credit and are clear violations of the FCRA. I request their immediate removal from all of my credit reports.\nConsumer Harm and Legal Grounds\nBecause of these inaccurate charge-offs, false late payments, and unauthorized inquiries, I have suffered the following:\n\tDenial of credit opportunities\n\tHigher interest rates\n\tEmotional XXXX  and reputational harm\nThe reporting agencies and furnishers are in violation of:\n\tFCRA  607(b): Duty to maintain accuracy of information\n\tFCRA  609(a): Right to disclosure of information\n\tFCRA  611(a): Right to dispute and reinvestigation\n\tFCRA  604(a): Limitations on permissible purpose for inquiries\nRelief Requested\nI respectfully request the CFPB to enforce my rights under the FCRA and require:\n1.\tPermanent deletion of the above-listed charge-off and late payment accounts from all credit reports, unless full validation is provided.\n2.\tImmediate removal of all unauthorized inquiries from my credit reports.\n3.\tWritten confirmation of the corrective actions taken.\nFailure to act would leave me with no choice but to pursue further remedies under the FCRA, FDCPA, and other applicable consumer protection laws.'

Company response to consumer: Closed with non-monetary relief