Consumer complaint received 2025-05-24 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:
Over the past several months, I have made repeated efforts to correct major inaccuracies across my credit reports maintained by Equifax, Experian, and TransUnion. Despite submitting detailed written disputes, including evidence of identity and supporting documents, these credit bureaus have failed to correct serious errors that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This complaint addresses three critical categories of violations : 1. Misreporting of False and Unverified Addresses Identity Confusion & File Mixing My credit reports are currently associating me with the following addresses, none of which I have ever lived at, owned, or used for any official purpose : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX These inaccurate addresses suggest my file may be improperly merged with another persons or has been accessed or altered in error. This results in confusion for lenders and has already caused denials for credit and housing. These bureaus have not adhered to their legal responsibility under 15 U.S.C. 1681e ( b ) to ensure " maximum possible accuracy '' in consumer reports. Furthermore, I am concerned this misreporting increases the risk of identity theft or fraudulent association.

2. Disputed Derogatory Accounts No Validation, No Contractual Obligation The following accounts continue to appear on my credit reports, despite previous disputes and no contractual evidence being provided : XXXXXXXX XXXX  Account XXXX XXXXXXXX, opened XX/XX/XXXX, marked with repeated late payments I have never opened a credit account with XXXXXXXX XXXX. No original application, signed agreement, or payment history has been produced. 

XXXX Account opened XX/XX/XXXX, marked as charge-off This item appears to be incorrectly associated with my file. No validation was provided when I disputed it. 

XXXX XXXX XXXX Opened XX/XX/XXXX, listed as a collection account for {$480.00} I have no contract with XXXX, a known debt buyer. Under 15 U.S.C. 1692g, they must validate this debt. No validation has ever been sent. 

XXXX Opened XX/XX/XXXX, listed as a collection for {$660.00} This appears to be an erroneous collection listing. Again, I have never entered into a contract with this entity and request full deletion.

Under FCRA 1681i, the bureaus are required to investigate disputed information and delete unverifiable items. By continuing to report accounts that are not mine or have not been validated, they are in violation of this statute.

3. Multiple Unauthorized Hard Inquiries No Permissible Purpose The following credit inquiries were made without my knowledge or consent. I never applied for any new credit during the timeframes listed : XXXX XXXX XX/XX/XXXX ( appears three times ), XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Under FCRA 1681b, a credit reporting agency may only release a report if the requester has a permissible purpose. None of these inquiries were authorized by me, nor do I have any record of initiating applications with these entities during the stated periods.

These unauthorized inquiries are negatively impacting my credit score and have triggered denial letters from lenders who reviewed my report under the false assumption that I had applied for numerous loans.

Impact on Me : These ongoing inaccuracies have caused me : To be denied credit and housing applications due to incorrect risk scores To suffer reputational harm from false financial information Emotional distress and time lost trying to resolve these issues Increased risk of identity theft due to mixed and unverified data Resolution Requested : I respectfully request the CFPB to assist in the following : Immediate deletion of all unverified and incorrect addresses Full investigation and deletion of the above accounts unless the furnishers provide verifiable proof of contract and payment history Deletion of all unauthorized credit inquiries Assurance that my credit file is no longer being mixed with others or accessed unlawfully If not resolved, I am prepared to pursue further legal remedies including claims under FCRA 1681n and 1681o for willful and negligent noncompliance.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief