Consumer complaint received 2025-11-04 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:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding multiple inaccurate items being reported on my credit reports by various furnishers and credit bureaus. I have discovered several wrong addresses and charge-off accounts that do not belong to me or have been reported inaccurately. Despite my efforts to have them corrected or removed, these items remain and are negatively impacting my credit profile. 
Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX This location does not belong to me and should not be linked to my credit file. I have no history or association with this address. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address is not mine and may have been reported in error. Please remove it from my report to ensure my file reflects only accurate residential information. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never been connected to this property in any way. Its presence on my report is incorrect and should be deleted immediately. 
Inaccurate Charge-Off Accounts XXXX XXXX XXXX XXXX * High Balance : {$3000.00} Date Opened : XX/XX/XXXX I do not recall applying for or maintaining any account with XXXX XXXX XXXX XXXX XXXX Please provide signed documents for verification or remove this entry. 
XXXX XXXX XXXX XXXX * High Balance : {$2500.00} Date Opened : XX/XX/XXXX This duplicate entry is also not mine. I request it be deleted from my credit report due to lack of validation or consumer authorization. 
XXXX XXXX XXXX * * High Balance : {$400.00} Date Opened : XX/XX/XXXX I have no association with this company or account. This may be an erroneous or fraudulent listing that needs to be investigated and removed. 
XXXX XXXX * XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX This account is unfamiliar to me and I have no records or correspondence linking me to it. Please verify ownership or remove it from my credit file. 
Bankruptcy Reporting U.S. Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX I have never filed for bankruptcy in any court or jurisdiction. This is a serious reporting error that is damaging my credit profile and must be removed without delay. 
The inquiries I am disputing are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please send me written confirmation once these inquiries have been verified or deleted. If these inquiries were made in error or fraudulently, I request that they be removed within 30 days of receipt of this letter. 
Summary of Complaint I am requesting that the CFPB investigate these reporting errors as violations of the Fair Credit Reporting Act ( FCRA ) and ensure that the credit bureaus and furnishers conduct a full reinvestigation. These inaccurate listings are causing substantial harm to my creditworthiness, and I demand immediate correction or deletion of the wrong information. 
Please confirm receipt of this complaint and initiate a thorough review with the involved parties ( credit bureaus and furnishers ). 
Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief