Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
Dear CFPB, I am submitting this formal complaint to report several serious inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws by various entities reporting to the credit bureaus. These accounts and addresses are harming my creditworthiness, and despite prior attempts to dispute them, they remain unresolved. 
1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance/Status : {$630.00} Collection Issue : I do not acknowledge this debt. XXXX XXXX XXXX has not provided proper validation of this account, and I believe it may be erroneous or incorrectly assigned to me. No original creditor details have been presented to verify the legitimacy of this debt. 
Violation of Law : 15 U.S. Code 1692g ( FDCPA ) Failure to provide proper debt validation upon request. 
15 U.S. Code 1681s-2 ( b ) ( FCRA ) Failure to conduct a reasonable investigation after a dispute. 
2. XXXX XXXX XXXX ( XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance/Status : {$1400.00} Collection Issue : This account appears to be inaccurate or misrepresented. I have not received verification of this account, nor have I been notified by the original creditor. This account may be the result of identity theft or misattribution. 
Violation of Law : 15 U.S. Code 1681b ( FCRA ) Reporting information without permissible purpose.

15 U.S. Code 1692e ( FDCPA ) False or misleading representation of a debt. 
3. * XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance/Status : {$850.00} Collection Issue : I am unaware of any account with this company. No debt validation was provided, and this entry appears to be impacting my report unfairly. 
Violation of Law : 15 U.S. Code 1692g ( FDCPA ) Failure to validate the debt.

15 U.S. Code 1681i ( FCRA ) Failure to correct inaccurate information following a dispute. 
4. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance/Status : {$170.00} Collection Issue : This account is unfamiliar to me and may have been opened or reported fraudulently. I have not received any supporting documents or a debt validation notice from XXXX. 
Violation of Law : 15 U.S. Code 1692g ( b ) ( FDCPA ) Continuing collection activities without verifying the debt.

15 U.S. Code 1681e ( b ) ( FCRA ) Failure to maintain accurate reporting standards.

5. Incorrect Addresses Reported on My Credit File Addresses in question : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KS XXXX Issue : I have never lived at or been associated with these addresses. Their presence on my credit file increases the risk of fraud and identity confusion. These addresses need to be deleted from all credit bureau records immediately. 
Violation of Law : 15 U.S. Code 1681e ( b ) ( FCRA ) Failure to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681i ( a ) ( FCRA ) Failure to reinvestigate and remove incorrect personal identifying information.

Requested Resolution : 1. Immediate deletion of all the above-mentioned accounts unless full and complete verification is provided.

2. Permanent removal of the three incorrect addresses from my credit profile.

3. A full investigation into the data furnishers ' reporting and validation practices in compliance with FCRA and FDCPA.

These inaccuracies have caused emotional distress, economic hardship, and damage to my credit reputation. I request CFPBs intervention to hold the responsible parties accountable and ensure my consumer rights are protected under the law.

Company response to consumer: Closed with explanation