Consumer complaint received 2025-07-11 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 Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing. 

XXXX XXXX XXXX XXXX, TX XXXX Wrong Address LAW ISSUE : FCRA Section 609 ( c ) ( 2 ) ( E ), 611 ( a ) ISSUE : I never lived at or used this address for any purpose STORY : This address is unfamiliar and does not belong to me. Including it in my credit file is causing confusion and linking me to financial obligations that are not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address LAW ISSUE : FCRA Section 609, 611 ISSUE : I have no relation to this address STORY : This incorrect address may have come from identity confusion or bureau error. Its presence is affecting my credit profile inaccurately XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address LAW ISSUE : FCRA Section 609 ISSUE : This is not my residential history STORY : I did not reside here, and the address is contributing to the misreporting of accounts not belonging to me XXXX XXXX XXXX XXXX, TX XXXX Wrong Address LAW ISSUE : FCRA Section 611 ISSUE : Unverified and incorrect address STORY : This entry is affecting my credit and possibly connecting me to someone elses credit activity, which is not permissible XXXX XXXX XXXX XXXX, TX XXXX Wrong Address LAW ISSUE : FCRA Section 609 ISSUE : Invalid and unrelated address STORY : Including this false location is compromising the integrity of my credit report XXXX XXXX XXXX XXXX, TX XXXX Wrong Address LAW ISSUE : FCRA Section 611 ISSUE : Not associated with my credit activity STORY : I never lived here or used this address, and its inclusion is damaging XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address LAW ISSUE : FCRA Section 609 ISSUE : This is not part of my address history STORY : Its presence may be affecting my score or causing confusion in credit reporting XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Charge Off High Balance : {$670.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 611, FDCPA Section 807 ISSUE : Reported as charged-off despite dispute STORY : I attempted to resolve this account and communicated hardship, but the creditor did not respond properly and charged it off unfairly XXXX  XXXX Account # : XXXX Late Payment High Balance : {$360.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 623 ISSUE : Late payment reported without proper notice STORY : I was enrolled in a payment assistance program and should not have been reported late during that time XXXX Account # : XXXX Late Payment High Balance : {$460.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 611 ISSUE : Misreported payment status STORY : This account was paid on time, but continues to be shown as late without proper investigation XXXX Account # : XXXX Late Payment High Balance : {$640.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 607 ( b ) ISSUE : Inaccurate reporting of late payment STORY : I was in contact with the creditor for a payment plan, but no update was made and I was marked delinquent XXXX XXXX XXXX  Account # : XXXX Charge Off High Balance : {$3500.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 611 ISSUE : Outdated and unverified charge-off STORY : I no longer have any association with this account. It should be deleted for age and lack of proper verification XXXX XXXX XXXX Account # : XXXX Charge Off High Balance : {$9400.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA 623 ( b ) ( 1 ), FDCPA ISSUE : Negative item reported during dispute process STORY : I was actively disputing the balance and terms when it was reported as a charge-off, violating fair reporting rules XXXX XXXX XXXX XXXX : XX/XX/XXXX LAW ISSUE : FCRA Section 604 ISSUE : Unapproved pull STORY : I didnt shop or submit any credit application here XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA Section 604 ISSUE : Redundant and unauthorized STORY : Same as above, this is duplicated and unapproved ONEMAIN Inquiry Date : XX/XX/XXXX LAW ISSUE : FCRA Section 604 ISSUE : Inquiry without application STORY : This entry is affecting my credit unjustly since I made no credit request Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

Company response to consumer: Closed with non-monetary relief