Consumer complaint received 2025-08-01 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 CFPB Investigator, I am filing this complaint to formally report ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by credit reporting agencies and data furnishers. My credit file contains numerous inaccurate addresses, unauthorized hard inquiries, and several accounts with incorrect information such as charge-offs, late payments, and balances. These errors are not only unjustified but are also severely harming my credit profile and financial opportunities. I have previously attempted to dispute these items directly with the credit bureaus, but they continue to be reported without proper investigation or verification. 
Below I have documented each item being disputed, along with related legal violations and the harm caused : WRONG ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Incorrect address reported Law : FCRA 605 ( b ) Story : I have never conducted any activity from this address. The listing may be due to third-party data errors and needs immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : False address Law : FCRA 611 Story : This location does not belong to me, and the reporting is unjustified and may be linked to identity confusion or system error. 
DISPUTED ACCOUNTS XXXX XXXX | High Balance : {$8800.00} | Date Opened : XX/XX/XXXX Issue : Charge off reported without cause Law : FCRA 623 Story : This account was closed after a hardship agreement. Charge off never communicated or validated. I request deletion. 
XXXX XXXX | High Balance : {$600.00} | Date Opened : XX/XX/XXXX Issue : Payment history error Law : FCRA 609 Story : I requested documents to verify these claims and received none. The reporting is unverifiable and must be removed. 
XXXX XXXX | High Balance : {$2100.00} | Date Opened : XX/XX/XXXX Issue : False late payment Law : FCRA 623 Story : I made on-time payments ; system glitch reported me as late, affecting my credit unjustly. 
XXXX XXXX | High Balance : {$3900.00} | Date Opened : XX/XX/XXXX Issue : Charge off inaccurate Law : Fair Credit Billing Act Story : I was in a hardship period and tried to resolve the issue. This entry is damaging and does not reflect my effort. 
XXXX XXXX | High Balance : {$3900.00} | Date Opened : XX/XX/XXXX Issue : Inaccurate payment status Law : FCRA 611 Story : XXXX failed to correct the record after multiple disputes. Payment was made within grace period. 
XXXX XXXX XXXX | High Balance : {$6600.00} | Date Opened : XX/XX/XXXX Issue : Unjustified charge off Law : FCRA 611 Story : I never defaulted on this card. No communication about a charge-off was provided. 
XXXX XXXX | High Balance : {$7400.00} | Date Opened : XX/XX/XXXX Issue : Charge off wrongly added Law : FCRA 623 Story : The account was closed during a repayment discussion. The charge-off is improper. 
XXXX XXXX | High Balance : {$7500.00} | Date Opened : XX/XX/XXXX Issue : Late payment wrongly reported Law : FCRA 611 Story : I disputed this before and received no response. Reporting has caused long-term damage. 
XXXX XXXX | High Balance : {$2100.00} | Date Opened : XX/XX/XXXX Issue : False reporting of late payment Law : FCRA 623 Story : Payment made 2 days before due date. System error likely caused this mistake. 
XXXX XXXX | High Balance : {$36000.00} | Date Opened : XX/XX/XXXX Issue : Charge off wrongfully applied Law : FCRA 623 Story : Agreement was in place to settle. Reporting charge off is unfair and harmful. 
XXXX XXXX  XXXX | High Balance : {$50000.00} | Date Opened : XX/XX/XXXX Issue : Charged off in error Law : FCRA 611 Story : No legal notice, no fair debt process followed. I dispute this strongly. 
DEPTEDXXXX XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX Issue : Federal loan reporting error Law : FCRA + Higher Education Act Story : My loan was in deferment. No payment was due. The delinquency entry is wrong. 
XXXX XXXX ( XXXX more entries ) Issue : Multiple charge offs & lates listed Law : FCRA 623 Story : Same account is showing multiple charge offs with different balances and dates duplicate reporting is unlawful and must be deleted. 
XXXX XXXX | High Balance : {$0.00} | Date Opened : XX/XX/XXXX Issue : Charge off reported despite {$0.00} Law : FCRA 623 Story : Account never used or activated. Still marked charged off highly suspicious and inaccurate. 
UNAUTHORIZED HARD INQUIRIES XXXX XX/XX/XXXX Issue : Inquiries made without consent Law : FCRA 604 Story : I never applied for credit with these institutions at these times. These inquiries were made without permissible purpose and must be removed immediately to protect my credit score and consumer rights. 

Requested Relief : 1. Immediate investigation into each of the listed inaccurate addresses, accounts, and hard inquiries.

2. Full deletion of all unverifiable, duplicate, or unauthorized entries from my credit report.

3. Enforcement actions against credit bureaus and data furnishers who failed to comply with FCRA and FDCPA. 
XXXX. Written confirmation of completed investigations and deletions. 
I respectfully request the CFPBs assistance in enforcing my rights and holding the responsible parties accountable. All documentation supporting my disputes can be provided upon request.

Company response to consumer: Closed with non-monetary relief