Consumer complaint received 2025-11-22 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 my consumer report contains multiple inaccuracies, unverifiable items, and incorrect personal information that are negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable, and currently, that standard is not being met. 

First, my consumer report reflects several addresses that do not belong to me and have no connection to my identity or history. These addresses are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX. These addresses are wrong, inaccurate, and must be removed immediately because I do not recognize nor have I lived at any of these locations. 

Additionally, there are several accounts being reported that are incorrect, falsely listed as charge-offs, collections, or late payments. I dispute the following accounts as inaccurate, unverifiable, and not belonging to me : XXXX XXXX XXXXXXXX XXXX XXXX  Charge Off XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX XXXX Collection These accounts are being reported incorrectly as accounts I allegedly owe or have defaulted on. I have no knowledge of these accounts, I did not authorize them, and they are not mine. Under FCRA 609 and 611, if the furnishers and credit bureaus can not provide legally valid documentation with my wet signature, they must remove these accounts. 

There are also accounts listed as late payments that are inaccurate and misleading. The following accounts are being reported incorrectly : XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Late Payment These entries are false, and I dispute them because I have never made a late payment. If original documentation can not prove otherwise, these entries must be corrected immediately. 

Lastly, my consumer report shows multiple recent hard inquiries that I did not authorize. These include : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). These inquiries are unauthorized and should be removed pursuant to FCRA guidelines regarding inaccurate, fraudulent, or unauthorized access. 

I am requesting a full investigation into these matters. If any disputed information can not be validated with original signed contracts and supporting proof, it must be removed from my report. I expect a response and corrective action within the legally required timeframe. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief