Consumer complaint received 2025-06-06 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 against multiple data furnishers and credit reporting agencies for reporting inaccurate, incomplete, and unverifiable information on my credit report, as well as retaining obsolete or incorrect address data. 
These errors have caused substantial harm to my creditworthiness, mental stress, and have hindered my ability to access essential financial services. Despite multiple attempts to correct these issues through disputes, no effective resolution has been provided. Below are the details of the violations : Incorrect Addresses Being Reported The following addresses are being incorrectly associated with my credit report. I have never lived at these addresses : XXXX. XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX  XXXX Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, consumers have the right to accurate and verifiable information on their credit report. Reporting false addresses violates my rights to fair and accurate reporting. 
Accounts With Inaccurate and Negative Reporting XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Late Payment Reporting Violation : FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$490.00} Issue : Late Payment Reporting Violation : FCRA 623 ( a ) ( 1 ) ; Incomplete investigation of disputes XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1900.00} Issue : Late Payments Violation : Failure to correct outdated derogatory marks per FCRA 605 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$10000.00} Issue : Charge Off with no validation or updated status Violation : FDCPA 809 No validation provided; FCRA 611 Failure to investigate properly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6600.00} Issue : Charge Off being reported without proper dispute response Violation : FCRA 623 ( b ) ( 1 ) Duty to investigate disputed information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6000.00} Issue : Incorrect balance and payment status ; impacting my XXXX and score Violation : FCRA 607 ( b ) Reasonable procedures to assure maximum possible accuracy Summary of Harms Suffered : Credit score has significantly dropped due to inaccurate reporting Denied access to loans and housing Emotional and mental distress from repeated disputes and misreporting Failure to fulfill consumer protections as stated in the FCRA, FDCPA, and CFPB guidelines Relief Sought : 1. Immediate deletion or correction of all inaccurate address records. 
2. Full reinvestigation and deletion/correction of each account listed above if proper validation can not be provided. 
3. Full compliance with FCRA/FDCPA regulations by each furnisher and CRA involved XXXX 
4. Written documentation and response from each reporting entity confirming corrections or deletions. 
5. Compensation if proven that these inaccuracies have caused measurable financial harm. 
I respectfully request CFPB 's assistance in investigating this matter thoroughly and enforcing my consumer rights as guaranteed by federal law.

Company response to consumer: Closed with non-monetary relief