Consumer complaint received 2025-09-18 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 formal complaint because the credit reporting agencies and furnishers have continuously reported inaccurate, unverifiable, and harmful information on my consumer credit reports. These violations are in direct conflict with my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. I am demanding immediate investigation, deletion of inaccurate items, and corrective action. Below, XXXX detail each account and inquiry that is being disputed and causing damage to my creditworthiness, reputation, and financial opportunities. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I dispute this address as I have never lived or conducted business here. Reporting this false information damages me because it could potentially link me to fraudulent activity in areas where I have no presence. It creates confusion, impacts my financial trustworthiness, and is an invasion of my personal and financial rights. This is a violation of FCRA 609 ( a ) ( 1 ) since the reporting lacks proof of accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is not mine, and its continued presence on my credit report is misleading and dangerous. Such false reporting has real-world consequences, including wrongful denial of credit, higher interest rates, and reputational harm. Under FCRA 15 U.S.C. 1681n, willful noncompliance allows me to seek damages in court. For your protection and compliance, remove this item immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$330.00} Date Opened XX/XX/XXXX Chargeoff * * This account is inaccurately reported as a charge-off. I dispute the validity of this account as reported. No original signed contract or billing statements have been provided to me to prove ownership, balance, or payment history. The reporting of a charge-off without verification is highly damaging to my credit score and financial reputation. It falsely paints me as a high-risk borrower. Under FCRA 15 U.S.C. 1681s-2, furnishers of information are strictly prohibited from reporting false or unverifiable information. This item must be investigated and deleted if not fully validated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$310.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  This charge-off is inaccurate and unverifiable. I have never received proof of this account from the creditor, and without full validation, it should not be reported. Negative reporting without sufficient evidence is not only unfair but also unlawful. This item lowers my credit score, increases the cost of borrowing, and impacts my financial opportunities in employment, housing, and insurance. Under FCRA 611 [ 15 U.S.C. 1681i ], this information must be reinvestigated, and if unverifiable, permanently removed. 
XXXX XXXX XXXXXXXX XXXX High Balance {$590.00} Date Opened XX/XX/XXXX Chargeoff * * This account is reported as a charge-off, but the reporting is misleading, damaging, and inaccurate. The creditor must supply complete documentation such as original applications, billing statements, and payment records to prove its accuracy. Without proper proof, reporting this account is a violation of FDCPA 15 U.S.C. 1692e, which prohibits false representation of debts. The existence of this negative item unfairly reduces my creditworthiness and can cause me long-term harm in financial dealings. 
XXXX XXXX XXXX High Balance {$2600.00} Date Opened XX/XX/XXXX Late Payment XXXX XXXX This account is showing late payments that I strongly dispute. The late payment reporting is inaccurate and harmful, and without complete and verifiable payment records, these lates can not legally be reported. Negative marks like this damage my credit score and prevent me from accessing fair financial opportunities. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. If this item can not be fully validated with proper records, it must be immediately corrected or deleted. 
XXXX XXXX XXXX XXXXXXXX High Balance {$530.00} Date Opened XX/XX/XXXX Late Payment * * This account shows late payments that I strongly dispute. Without full payment history documentation and original records, this reporting is incomplete and unreliable. Late payments drastically reduce my credit score and affect my ability to obtain fair lending opportunities. Reporting late payments without proper proof is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. If you can not confirm this with valid records, these lates must be corrected or deleted immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$500.00} Date Opened XX/XX/XXXX Chargeoff XXXX XXXX  This account is reported as a charge-off without validation. I dispute its accuracy and demand full investigation. Without original application, signed agreements, and complete payment history, this reporting is unlawful. Such false reporting negatively impacts my creditworthiness and violates FDCPA 807 [ 15 U.S.C. 1692e ] which prohibits false representations of debts. This item must be deleted if not proven with verifiable documentation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$24000.00} Date Opened XX/XX/XXXX Chargeoff XXXX XXXX This account is inaccurately listed as a charge-off. I dispute the accuracy of the reporting as no complete documentation has been provided. Charge-offs of this nature have extreme negative impacts on my credit, affecting my housing, employment, and lending opportunities. Reporting this account without proper validation is misleading and constitutes willful noncompliance under FCRA 623 ( a ) ( 1 ) and 1681n. Unless original documents and records are provided, this account must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX * High Balance {$35000.00} Date Opened XX/XX/XXXX Chargeoff * * This account is reported as a charge-off, but the reporting is incomplete, misleading, and harmful. I dispute its validity as no verifiable proof has been provided. Without complete evidence, continuing to report this item is a violation of FCRA 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. This false derogatory mark has significant damaging effects on my financial life and must be removed if not fully validated. 
XXXX XXXX XXXX High Balance {$300.00} Date Opened XX/XX/XXXX Chargeoff XXXX XXXX  This account is inaccurately reported as a charge-off. I dispute this reporting because I have never been provided validation of this debt, nor proof of ownership or accuracy. Utility accounts reported as charge-offs without proper records create false derogatory marks on my file. This violates FCRA 611 and FDCPA 807. Unless complete evidence is provided, this account must be deleted immediately. 
XXXX XXXX XXXX XXXXXXXX High Balance {$870.00} Date Opened XX/XX/XXXX Collection * I dispute this collection account in full. No validation of this debt has been provided. I have not received any original signed contract, proof of ownership, or account statements to prove the legitimacy of this debt. Reporting this without verification is a violation of FCRA 609 ( a ) ( 1 ) and FDCPA 807. This account is damaging my credit score and must be removed unless full proof is provided. 
XXXX XXXX XXXX XXXX {$4300.00} Date Opened XX/XX/XXXX XXXX * This collection is reported inaccurately and without proof. I dispute its validity. Without proper documentation including original creditor records and complete account details, you can not legally continue to report it. Reporting unverifiable collections is unlawful under FCRA 611 [ 15 U.S.C. 1681i ] and FDCPA 1692e. This account must be deleted if not fully validated. 
XXXX XXXX High Balance {$3600.00} Date Opened XX/XX/XXXX Collection * This account is listed as a collection, but I have no knowledge of this debt and no proof has been supplied. The reporting is harmful, inaccurate, and misleading. If the furnisher can not provide documentation proving this account belongs to me, it must be removed. Continuing to report unverifiable debts is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807. 
XXXX XX/XX/XXXX Inquiry I dispute this inquiry because I did not authorize it. An unauthorized inquiry is a violation of FCRA 604 [ 15 U.S.C. 1681b ], which restricts permissible purposes for credit pulls. This hard inquiry harms my credit score and falsely suggests I applied for credit I did not seek. If you can not provide evidence of my signed authorization, this inquiry must be deleted.

Conclusion and Relief Requested The above items are causing me substantial injury and emotional distress. By reporting unverifiable collections and allowing unauthorized inquiries, the credit reporting agencies and furnishers are in clear violation of federal law. I demand : 1. Immediate deletion of all disputed collection accounts and inquiries listed above.

2. Written verification of compliance with FCRA and FDCPA.

3. Corrective measures to ensure such errors are not repeated.

4. Compensation for damages caused by these unlawful reporting practices.

I trust the CFPB will take this complaint seriously, enforce compliance, and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief