Consumer complaint received 2025-09-11 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 submitting this complaint against multiple creditors, lenders, and debt collectors for reporting inaccurate, unverifiable, and outdated information on my credit reports. These violations directly harm my creditworthiness and are in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in some instances the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Despite my attempts to dispute these inaccuracies with the credit bureaus and furnishers, the following accounts continue to reflect false, inconsistent, or unverifiable information : Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address These addresses do not belong to me and constitute mixed-file errors that create confusion and harm my credit profile. 

Accounts with Inaccurate or Unverifiable Reporting XXXX Acct : XXXXXXXX XXXX XXXX  Late Payment ( High Balance {$250.00}, Opened XX/XX/XXXX ) * * SELFINC/LEAD Acct : XXXX * Charge Off ( High Balance {$430.00}, Opened XX/XX/XXXX ) * * XXXX XXXX Acct : XXXX * Charge Off ( High Balance {$360.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off ( High Balance {$460.00}, Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Various Balances ( {$2200.00}, {$3000.00}, {$3500.00}, {$4800.00} ) and Dates ( XXXX ) All reporting Late Payments XXXX XXXX XXXX XXXX XXXX XXXX Charge Off ( High Balance {$540.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  SUN LOAN Acct : XXXX * * Late Payment ( High Balance {$500.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX High Balance {$2900.00}, Opened XXXX XXXX XXXX XXXX XXXX Accounts Various ( Balances {$2700.00} {$6400.00}, XXXX XXXX ) Charge Offs and Late Payments XXXX XXXX XXXX XXXX Late Payment ( High Balance {$520.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( High Balance {$720.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off ( High Balance {$18000.00}, Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection ( High Balance {$550.00} , Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection ( High Balance {$460.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off ( High Balance {$1500.00} XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection ( High Balance {$150.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection ( High Balance {$450.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection ( High Balance {$410.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Unauthorized/Unverified ) Violations Identified Unverifiable Debts : Many accounts can not be validated with proper documentation as required under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ) .

Re-aged Accounts : Certain debts appear with inconsistent dates, improperly extending the reporting period, violating FCRA 605 ( a ).

Duplicate & Inflated Balances : Multiple Department of Education and XXXX accounts are duplicative and misleading. 

Unauthorized Inquiries : XXXX XXXX inquiries appear without my consent, violating FCRA 604. 

Wrong Address Association : This constitutes a serious mixed-file error, leading to inaccurate reporting and identity confusion. 

Requested Relief I am requesting the CFPB to : Investigate the above creditors, debt collectors, and furnishers for FCRA and FDCPA violations. 

Require the immediate deletion of unverifiable, re-aged, and duplicate accounts from all credit bureau reports. 

Remove wrong address associations from my credit file. 

Remove unauthorized credit inquiries from XXXX XXXX XXXX XXXX 

Ensure creditors provide full verification and documentation before continuing to report these items.

Company response to consumer: Closed with non-monetary relief