Consumer complaint received 2025-08-30 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:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

XXXX XXXX XXXX XXXX, TX XXXX This is another completely inaccurate address that has been attached to my credit file in error. It is not connected to me, and no valid documentation exists to verify my residence at this location. The continued reporting of this false address misrepresents my identity, violates FCRA Section 609 ( a ), and places me at risk of identity theft. This false information must be removed at once. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has no connection to me whatsoever. It is inaccurate and misleading, and under FCRA Section 611 ( a ), any consumer has the right to demand a reinvestigation of false identifying information. This incorrect address is damaging my credibility and could create false associations with accounts or activities that are not mine. For compliance with the law, it must be permanently deleted. 

XXXX XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX Late Payment This account is being inaccurately reported with late payments. I dispute the accuracy and completeness of this reporting under FCRA Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate information. I request full documentation validating these late payments, including payment history records with my name and signature. Without proof, these reported delinquencies must be removed. 

XXXX XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXX Late Payment This account is reflecting late payments that are not accurate. Under FCRA Section 611, the credit reporting agency must reinvestigate when disputed information lacks verification. I demand validation of the alleged delinquencies, including copies of billing statements and payment confirmations. If such evidence can not be produced, this item must be corrected or deleted. 

XXXX XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Late Payment The late payment history being reported is inaccurate and unverifiable. FCRA Section 602 stresses the need for fair and equitable treatment of consumers, which is being violated when false data is attached to my report. Unless you can provide signed contractual evidence supporting the claimed delinquencies, this reporting must be removed in compliance with federal law. 

XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurately reflecting late payments. I dispute this entirely under FCRA Section 609 ( a ) ( 1 ), which grants me the right to receive documentation of the information being reported. Unless complete, verified records can be produced showing my responsibility for the alleged late payments, the negative marks must be deleted. 

XXXX XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Late Payment The late payment history here is inaccurate, misleading, and unverifiable. Under FCRA Section 623 ( a ) ( 3 ), furnishers are required to correct and update information that they determine is not complete or accurate. I demand full validation, including records of billing, payment processing, and my signed agreement. If you can not provide this, the negative history must be deleted. 

XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurately reporting late payments. The FCRA requires maximum possible accuracy under Section 607 ( b ). Unless proper verification documents are provided, such as detailed statements and a verified chain of payment records, this negative information can not remain on my file. 

XXXX  XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is being inaccurately reported. Under FCRA Section 611 ( a ) ( 1 ) ( A ), you are required to investigate disputes and remove unverifiable information. I request complete proof of this alleged charge-off, including signed contracts and payment history. If validation is not available, the charge-off must be deleted immediately. 

XXXX XXXX XXXX High Balance : {$3600.00} Date Opened : XX/XX/XXXX Charge Off This item is not being reported accurately. FCRA Section 602 states that consumer reporting must be fair, equitable, and accurate. Without full documentation proving my liability and payment history, this account can not legally be reported. I demand deletion unless complete verification is provided. 

XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Charge Off This charge-off reporting is inaccurate and unverified. Section 609 ( a ) ( 1 ) gives me the right to request supporting documentation. Unless you can provide proof of contract, billing, and delinquency validation, this item must be deleted. 

XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Charge Off This is a disputed account. Reporting this charge-off without verification violates FCRA 607 ( b ). Without sufficient evidence, including documentation of the alleged debt, this negative item must be deleted. 

XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off This item is inaccurate, and I demand reinvestigation. Under FCRA XXXX, unverifiable information must be removed. I request immediate deletion unless complete proof is provided. 

XXXX FIN XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is being disputed. Section 623 ( a ) ( 1 ) ( B ) requires that furnishers not report information they know or have reasonable cause to believe is inaccurate. If you can not provide sufficient proof, this charge-off must be deleted. 

XXXX  XXXX XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Late Payment This account inaccurately reflects late payments. Under the FCRA, I have the right to dispute unverifiable information. If validation is not available, the negative marks must be removed immediately. 

XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment This late payment reporting is inaccurate and incomplete. Section 602 of the FCRA emphasizes the importance of fairness and accuracy in credit reporting. Without supporting documents proving the validity of these late payments, they must be removed. 

XXXX XXXX XXXX High Balance : {$24.00} Date Opened : XX/XX/XXXX Late Payment This late payment is inaccurately reported and unverified. The FCRA requires that only complete and accurate information be reported. Without validation, it must be removed. 

XXXX XXXX High Balance : {$97.00} Date Opened : XX/XX/XXXX Late Payment This is an inaccurate reporting of late payment. Without proof, it is unverifiable and must be deleted under FCRA requirements. 

XXXX XXXX  XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Collection This is a collection account being disputed. FCRA Section XXXX requires full disclosure of the evidence being reported. If you can not produce signed agreements and itemized billing, this collection must be deleted. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This is an unauthorized inquiry. Without my written consent, it violates FCRA requirements. Delete this immediately. 

XXXX XXXX XX/XX/XXXX XXXX This was not authorized by me. Without permissible purpose, this inquiry violates my rights. Delete it immediately. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This is unauthorized. Unless you have a signed application proving my approval, this inquiry must be deleted under the law. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not authorized and violates FCRA 604. I demand deletion. 

XXXX XXXX XX/XX/XXXX XXXX This was not authorized by me. Delete it immediately unless written proof of my approval exists. 

XXXX XXXX XXXX XX/XX/XXXX XXXX This is unauthorized and violates my rights. Without proof, it must be removed. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

Company response to consumer: Closed with non-monetary relief