Consumer complaint received 2025-10-17 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:
I am writing to formally lodge a complaint against inaccurate, misleading, and unlawful information being reported on my credit file by the above-referenced furnishers and credit reporting agencies. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that all information reported must be accurate, complete, and verifiable, as well as the Fair Debt Collection Practices Act ( FDCPA ) where applicable.

1. Wrong and Fraudulent Addresses Reported The following addresses are being inaccurately reported on my credit profile, none of which belong to me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Wrong Address The reporting of these false addresses suggests possible file contamination, identity theft, or mixed credit files. This is highly damaging and places me at serious risk of fraud. Under FCRA 602 ( A ) & 607 ( B ), credit reporting agencies are required to implement maximum possible accuracy and remove unverifiable or erroneous information. 

2. XXXX XXXX  XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX High Balance : {$110000.00} Issue : Late Payment Reporting This account is inaccurately reflecting late payments that are either unverifiable or beyond the permissible reporting period. Under FCRA 605 ( a ) ( 5 ), negative information such as delinquencies can not be reported beyond 7 years. If the alleged late payments are older than 7 years, they must be permanently removed. 

3. XXXX XXXX XXXX XXXX ( Acct : XXXX Opened XX/XX/XXXX ) High Balance : {$7000.00} Issue : Late Payment Reporting This account shows late payment activity that has not been verified with supporting documentation. Reporting unverifiable or misleading derogatory information is a violation of FCRA XXXX & XXXX. 

4. XXXX XXXX XXXX XXXX ( Acct : XXXX Opened XX/XX/XXXX ) High Balance : {$26000.00} Issue : Charge Off This charge-off is being inaccurately reported. If the account is still owned by the original creditor, they can not simultaneously report a charge-off and continue to collect. If the debt was sold or transferred, the reporting must reflect the accurate current status and balance. Any misrepresentation violates FCRA 623 ( a ) ( 1 ) ( A ) as well as FDCPA 807 ( false or misleading representations ).

Requested Action I respectfully demand that the CFPB investigate these violations and require the data furnishers and credit reporting agencies to : Immediately delete all wrong addresses ( listed above ) from my credit profile. 

Remove all unverifiable late payments from XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX accounts. 

Correct or delete the inaccurate charge-off reporting from XXXX XXXX XXXX XXXX XXXX 

Provide written confirmation of compliance with FCRA and FDCPA obligations. 

These errors are materially harming my credit standing, limiting my access to financial opportunities, and causing undue XXXX. If not resolved promptly, I reserve the right to pursue further remedies under FCRA 616 & 617, which provide for civil liability and damages against furnishers and reporting agencies for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief