Consumer complaint received 2025-08-05 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 submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Inaccurate address possibly conflating my credit history with anothers. Law : FCRA Section 609 ( c ) ( 2 ) protects consumers from misleading information. Story : This listing endangers my credit integrity by linking unrelated financial behavior, risking improper negative consequences and fraudulent attribution. Immediate removal is necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Additional incorrect address listed on my report. Law : FCRA Section 623 ( a ) ( 2 ) obligates furnishers to ensure data accuracy. Story : Continued reporting of erroneous residence information fosters identity confusion and damages my credit reputation, requiring prompt action to remove inaccurate data. 

XXXX XXXX XXXX Issue : Disputed charge off with a balance of {$310.00} dating from XX/XX/XXXX. Law : FDCPA Sections 809 and 804 require debt validation ; FCRA Section 611 mandates dispute resolution. Story : This charge off is unsubstantiated and inconsistent with my records, severely impacting my credit score and financial standing. I request immediate verification or deletion to prevent unlawful hardship. 

XXXX XXXX XXXXXXXX XXXX Issue : Unverified charge off of {$2100.00} from XX/XX/XXXX. Law : FDCPA Section 809 and FCRA Section 607 ( b ) protect against inaccurate reporting. Story : No documentation or dispute process was afforded regarding this charge off, violating consumer rights and damaging credit unlawfully. Removal is required unless validated. 

XXXX XXXX Issue : Disputed charge off of {$350.00} dated XX/XX/XXXX. Law : FCRA Sections 607 and 611, FDCPA validation rules. Story : This charge off was reported without my authorization or adequate validation, constituting an unlawful negative entry. Corrective action is necessary. 

XXXX XXXX XXXX XXXXXXXX Issue : Disputed late payment of {$720.00} from XX/XX/XXXX without validation. Law : FCRA requires accurate, verified reporting. Story : This erroneous late payment compromises my credit profile and must be expunged. 

XXXX XXXX XXXXXXXX Issue : {$400.00} charge off from XX/XX/XXXX unverified and outdated. Law : FCRA Section 605 requires removal of unverifiable adverse information. Story : Retaining unverifiable derogatory entries unjustly lowers my credit score and violates federal law. 

XXXX XXXXXXXX XXXX XXXX XXXX  Issue : Multiple late payments with inconsistent balances and dates reported without proper disclosure. Law : FCRA sections on dispute validation and accurate reporting. Story : These numerous inaccuracies cumulatively degrade my creditworthiness, constituting a violation warranting thorough re-investigation and removal of incorrect data. 

XXXX XXXXXXXX Issue : {$17000.00} charge off opened XX/XX/XXXX without proper notice or validation. Law : FCRA Section 609 protects consumers rights to debt verification. Story : Large unverified charge offs severely degrade credit standing and must be validated or expunged. 

XXXX XXXX XXXX XXXX XXXX Issue : Multiple charge offs lacking proper validation. Law : FDCPA and FCRA requirements for accurate reporting. Story : These invalid charge offs further damage my credit and require verification or removal. 

XXXX XXXX XXXX and associated collections Issue : Multiple collections with inconsistent details lacking validation. Law : FDCPA debt validation and reporting guidelines. Story : Persistent reporting without debt proof violates consumer protection laws and unjustly impairs my credit health. 

SPRINGOAKS and related collections Issue : Unverified collections reported without compliance to validation mandates. Law : FDCPA. Story : Such reporting practices jeopardize my credit reliability and require correction. 

XXXX XXXX XXXXXXXX Issue : Collection of {$130.00} disputed for lacking validation notice. Law : FDCPA debt verification rules. Story : This unsubstantiated collection adversely affects my credit and must be investigated and removed if unverifiable. 

XXXX inquiry dated XX/XX/XXXX Issue : Unauthorized credit inquiry without my consent. Law : FCRA Section 604 restricts permissible inquiries. Story : Unauthorized inquiries degrade credit scores and violate privacy protections, necessitating immediate removal.

In sum, these numerous incorrect address records, disputed charge offs and late payments, unauthorized collections, and illicit credit inquiries represent significant violations of my consumer rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and applicable state laws. These inaccuracies inflict ongoing, substantial damage to my creditworthiness and financial reputation.

Final Note : These errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : 1. Fully investigate all inaccurate accounts, addresses, and inquiries.

2. Compel the furnishers to provide documented proof or delete the items.

3. Ensure all entities comply with the FCRA and FDCPA.

4. Provide a written resolution within the legal timeframe. 
Thank you for your time and support in helping protect my consumer rights.

Company response to consumer: Closed with non-monetary relief