Consumer complaint received 2025-07-17 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:
Dear CFPB Officer, I am writing to formally submit a consumer complaint regarding multiple inaccuracies and legal violations found on my credit report. I am a victim of identity theft and unauthorized reporting practices, which have caused severe and ongoing financial and emotional distress. Despite repeated attempts to correct these records, the credit bureaus and furnishers have failed to take proper corrective action. 
Please find the details below, categorized under incorrect addresses, unauthorized accounts, and unauthorized inquiries. I am requesting immediate investigation and corrective action in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This address does not belong to me and has never been associated with my identity or residence history Law : FCRA 605 ( b ), 609 ( c ), 611 Story : I have never lived at this address, nor have I used it for any credit or billing purpose. Its appearance on my credit report may indicate identity confusion or file merging. This incorrect address affects the integrity of my credit file and could cause adverse decisions. I am requesting that this address be immediately removed from all credit reporting agencies. 
XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : Commercial address with no personal or residential link to me Law : FCRA 602 ( a ), 609 Story : I have never lived at or used this business address in any context. Reporting a commercial location as my residence violates the standard for maximum possible accuracy. I am demanding immediate removal. 
XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : Completely unrelated address indicating possible identity fraud Law : FCRA 604 ( c ), 611 ( a ) ( 5 ) Story : I have never lived at this location. This information creates confusion and damages my creditworthiness. It is potentially the result of a data mix-up or fraudulent use of my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : Inaccurate and unauthorized address Law : FCRA XXXX ( b ), XXXX ( c ) ( XXXX ) Story : I have no personal or financial ties to this Illinois address. Including this in my file is misleading and directly contradicts my credit profile, possibly leading to denial of housing or credit. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : Erroneously linked address Law : FCRA 607 ( b ) Story : I have never been associated with this address in any capacity. Its presence may stem from a clerical error or misidentification, both of which are clear violations of accurate reporting standards. 
XXXX XXXX XXXX Late Payment High Balance : {$6200.00} | Date Opened : XX/XX/XXXX Issue : Inaccurate late payment reporting during hardship period Law : FCRA 611, FDCPA 807 ( 8 ) Story : I communicated with the creditor about financial hardship during the pandemic but never received proper assistance or deferment. Despite this, late payments were reported, severely damaging my credit. This reporting is not only inaccurate but violates the CARES Act and FCRA obligations to report truthful data. 
XXXX XXXX XXXX Late Payment High Balance : {$5900.00} | Date Opened : XX/XX/XXXX Issue : Late payment reporting without considering hardship request Law : FCRA 623 ( a ) ( 1 ) Story : During my period of financial instability, I requested help from XXXX XXXXXXXX, but my situation was ignored and late payments were reported without a formal notice or investigation. This inaccurate reporting violates my rights and must be corrected. 
XXXX XXXX XXXX XXXX * Late Payment High Balance : {$5700.00} | Date Opened : XX/XX/XXXX Issue : Failure to provide documentation of delinquency Law : FCRA 609 ( a ) ( 1 ) Story : No evidence or validation has been provided by the credit union regarding any missed payments. Their failure to notify me before reporting derogatory information is a violation of FCRA, and this mark should be removed. 
XXXX XXXX Late Payment High Balance : {$9500.00} | Date Opened : XX/XX/XXXX Issue : Improperly reported late payment while loan was in deferment Law : FCRA 623, Higher Education Act Story : This loan was in deferment under an IDR plan and should not have been marked late. The servicer violated FCRA by failing to report this account accurately, and I demand immediate correction. 
XXXX XXXX * Late Payment High Balance : {$3500.00} | Date Opened : XX/XX/XXXX Issue : Reporting false delinquency during active payment plan Law : FCRA 611 Story : My payments were being made through an income-based plan, yet the loan was marked late. This not only damaged my credit but shows disregard for borrower rights. 
XXXX XXXX Late Payment High Balance : {$4600.00} | Date Opened : XX/XX/XXXX Issue : Falsely reported delinquency Law : FCRA 611 ( a ) ( 1 ) Story : No late payments were made during the timeframe being reported. I never received any delinquency notice or right to dispute before the report, which violates due process under the FCRA. 
XXXX XXXX Late Payment High Balance : {$6000.00} | Date Opened : XX/XX/XXXX Issue : Reporting errors while under hardship Law : FCRA 607 ( b ) Story : I was in contact with the servicer and was promised review under hardship but they reported me late regardless. This entry has harmed my credit and must be deleted. 
XXXX XXXX * Late Payment High Balance : {$3500.00} | Date Opened : XX/XX/XXXX Issue : Incorrect late payment notation Law : FCRA 609 Story : I was not delinquent on this account. This information is harmful, unverified, and should be immediately investigated and corrected. 
XXXX XXXX  Bankruptcy Reference # XXXX XXXX Bankruptcy XXXX Issue : Incomplete or outdated public record update Law : FCRA 611 ( a ) ( 5 ), 605 ( b ) Story : My bankruptcy was discharged, but not all accounts have been updated accordingly. This failure to report the current legal status misrepresents my credit profile and has caused denial in post-bankruptcy credit rebuilding efforts. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I did not authorize this hard inquiry and was not seeking credit at that time. Its inclusion is unauthorized and caused unnecessary damage to my credit score. 
XXXX XXXX Inquiry XX/XX/XXXX Issue : Inquiry without consumer permission Law : FCRA XXXX04 ( b ) ( 2 ) Story : No application or authorization was submitted by me to Ally Financial. This credit pull is unlawful and must be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unsolicited inquiry Law : FCRA 604 Story : I never consented to a credit check from this dealership. This hard pull was unauthorized, and has damaged my credit without my approval.

Legal Summary & Consumer Rights : All of the above issues violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which grants consumers the right to dispute and have inaccurate, incomplete, or unverifiable information removed within 30 days. It also violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) regarding misleading and unlawful debt collection practices. In addition, the continued failure to correct these inaccuracies despite multiple disputes violates my rights under federal law. 
Relief Requested : Immediate deletion of all fraudulent and inaccurate accounts and addresses. 
Permanent removal of unauthorized hard inquiries. 
A complete and fair reinvestigation by the credit bureaus and furnishers. 
Written confirmation of all corrections made. 
A full report from the original furnishers on how these errors occurred.

Company response to consumer: Closed with non-monetary relief