Consumer complaint received 2025-11-21 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 complaint because XXXX  is reporting multiple inaccurate, unverified, unauthorized, and harmful items on my credit report. These errors are violating my consumer rights, damaging my creditworthiness, and causing financial harm. XXXX  has failed to maintain accuracy, failed to properly investigate, and continues to report accounts and inquiries that do not belong to me. I am requesting CFPB intervention to force XXXX to properly reinvestigate and remove all false items. Below are the specific accounts and issues. 
XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address does not belong to me, I have never lived here, never used it, never provided it to any creditor, and it is illegally attached to my file. I demand immediate deletion of this wrong address because it falsely connects me to unknown accounts and creates suspicion of identity mix-up. 
XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address is not mine and has never been mine. Keeping this on my profile is a direct violation of consumer protection standards. I demand removal without delay. 
XXXX XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * The late payment reported is entirely false. I never made late payments, and the reporting is inaccurate, unsupported, and can not be verified with legitimate documentation. I demand correction of the payment history to show on-time payments because this negative mark is false and extremely damaging. 
XXXX XXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$310.00} * * This late payment never occurred. The creditor can not verify any legitimate evidence because I have never missed a payment. This reporting is unlawful, misleading, and must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX CHARGEOFF Opened XX/XX/XXXX Balance {$510.00} * * I have no knowledge of this charge-off. I do not recognize this account, I never authorized it, I never signed for it, and no creditor can verify any lawful documentation linking me to it. Because the account is unverifiable, inaccurate, and unrecognized, it must be deleted immediately. 
XXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * This late payment is reported in error. I never made late payments to this creditor. This reporting is inaccurate and can not be validated. I demand correction of the entire payment history. 
XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$110.00} * * This late payment is not accurate. I paid on time, and any negative reporting is unlawful and must be corrected. Correct the payment history to reflect accurate and timely payments. 
XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * I never made late payments. This inaccurate reporting is unlawful and must be immediately corrected to show on-time payments. 
XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * This item is inaccurate. I made all payments on time, and there is no legitimate evidence that supports this negative reporting. I demand correction. 
XXXX XXXX XXXX  XXXXXXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * This late payment is completely false. I never made any late payments and the creditor can not provide any legitimate documentation to support this negative reporting. This is an accuracy violation and must be corrected to reflect on-time payments. 
XXXX XXXX XXXXXXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$38.00} * * This late payment never occurred. I did not miss any payment, and the reporting is inaccurate, misleading, and harmful. Since there is no lawful documentation proving this late payment, it must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX COLLECTION Opened XX/XX/XXXX Balance {$0.00} * * I have no knowledge of this collection account. There is no documentation that shows I am responsible for this debt. This is a false collection, harmful, and must be deleted immediately. 
XXXX XXXX XX/XX/XXXX This is another unauthorized inquiry. I did not apply for any credit on this date. Remove it immediately. 
XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. This must be removed as it violates accuracy requirements. 
XXXX XXXX XX/XX/XXXX I did not grant permission for this inquiry. Delete immediately. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry. This was done without my knowledge or consent. Remove immediately. 
XXXX  has failed to provide verification, failed to correct errors, and continues to report multiple inaccurate and unauthorized accounts and inquiries. These items violate my consumer rights and are causing financial harm. I request the CFPB to force XXXX  to conduct a lawful reinvestigation, provide proof for every disputed item, and delete any information that can not be verified with legal documentation. I am requesting immediate intervention to correct these violations.

Company response to consumer: Closed with non-monetary relief