Consumer complaint received 2025-08-21 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 complaint against Equifax because they are reporting multiple inaccurate and unverified items on my credit file, which is causing serious harm to my credit standing and financial opportunities. Despite my previous disputes, Equifax has failed to correct these errors or provide proper investigation results as required under the Fair Credit Reporting Act ( FCRA ). Below are the specific issues : XXXX. Wrong Addresses Reported : o XXXX XXXX  XXXX XXXX XXXX, TX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These addresses do not belong to me and should not be associated with my credit profile. Keeping inaccurate personal information creates confusion and potential identity mix-ups. 
XXXX. Charge Off Accounts : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$120.00} o XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$220.00} o XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} These accounts are being reported as charge offs without proper verification and in some cases with incorrect balances or dates. 
XXXX. Late Payments : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX o XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} o XXXX accounts ( various dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Balances : {$1500.00}, {$2400.00}, {$1800.00} o XXXX XXXX Bank/XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1200.00} These late payments are being reported inaccurately and without full validation. Some accounts are extremely old and should no longer be on my credit file. 
XXXX. Collections Accounts : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} o XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} o XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} These collections accounts appear without proper documentation or validation of ownership. Some are duplicative or questionable. 
XXXX. Hard Inquiries ( Unauthorized/Questionable ) : o XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX o XXXX  XX/XX/XXXX These inquiries were not authorized by me and are damaging my credit profile. 
Requested Resolution : I am asking that Equifax conduct a full and proper reinvestigation of all of these items and remove any and all inaccurate, unverifiable, or outdated information from my credit file. These errors are in violation of FCRA Section XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy, and Section XXXX, which requires proper reinvestigation of disputed items. The continued reporting of these inaccurate items is unfairly harming my creditworthiness.

Company response to consumer: Closed with non-monetary relief