Consumer complaint received 2025-10-17 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 filing this formal complaint against multiple furnishers and credit reporting agencies for willfully and negligently reporting false, inaccurate, and unverifiable information on my credit report. The following accounts and inquiries are damaging my credit profile, reputation, and financial stability. Despite multiple disputes and requests for validation, the information remains unverified and continues to appear on my credit reports, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

INCORRECT ADDRESSES REPORTED : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address This address does not belong to me, nor have I ever resided, received mail, or maintained any personal or business association with this location. Reporting an address that is not connected to me constitutes a serious breach of accuracy standards outlined in FCRA 602 ( A ) and 607 ( B ), which require consumer reporting agencies to ensure maximum possible accuracy in the information they report. This false address must be immediately removed from my credit file. 

ACCOUNT DISPUTES : XXXX XXXX XXXX * Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account is inaccurately reporting a late payment, which is completely false. I have always maintained timely payments, and there is no valid record of delinquency. Reporting a late payment when there is none violates FCRA 607 ( B ) and 611, as it fails to ensure maximum accuracy and fairness. I request correction of the payment history to reflect an accurate on-time status. 
XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$210000.00} I have never made late payments on this account, and the reported delinquencies are false. This misinformation seriously affects my credit standing. According to FCRA 611 ( A ), any unverifiable or inaccurate information must be deleted or corrected. I demand immediate correction to reflect timely payments. 
XXXX XXXX XXXX * * Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$490.00} This account wrongly reflects late payments. I never missed any due dates, and any reported delay is the result of reporting error or system inaccuracy. Under the FCRA, the data furnisher must verify the accuracy ; failure to do so within XXXX days requires deletion of the inaccurate entry. 
XXXXXXXX XXXXXXXX * Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$2200.00} I have no knowledge or recollection of ever opening or maintaining this account. This appears to be a case of either mistaken identity or mixed file reporting. Since the furnisher can not provide verifiable proof of ownership or original signed agreement, it must be removed under FCRA XXXX ( A ) ( XXXX ) ( A ). 
XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$20000.00} This account is falsely reporting late payments. I always paid this account responsibly, and any negative reporting violates FCRA accuracy provisions. The reporting agency must verify all records within the XXXX investigation period ; otherwise, this inaccurate data must be corrected. 
XXXX XXXX * Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This charge-off account is completely unrecognized. I have never opened or authorized any account with this company. Without verifiable proof such as an original signed contract or application, this account must be deleted in accordance with FCRA 611 and 623 ( A ) ( 1 ) ( D ).

NAVY FCU 379550 * * Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$16000.00} This account inaccurately lists late payments that never occurred. I have paid consistently, and I request immediate correction of my payment history. Under FCRA XXXX ( A ), accuracy and fairness are fundamental consumer rights, and failure to correct this would be a violation of federal law. 
XXXX XXXX XXXX XXXXXXXX * Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$2300.00} I have no knowledge of this account, and I have never authorized such a loan. Without documentation proving its validity, this account is unverifiable. According to FCRA 611 ( A ) ( 1 ) ( A ), unverifiable information must be deleted promptly. 
XXXX XXXX XXXX XXXX Collection * * Date Opened : XX/XX/XXXX | Balance Owed : {$2500.00} I have no knowledge of this collection account, and no original creditor information has been provided. Without proof of ownership, chain of assignment, or original signed agreement, this debt is unverifiable and must be permanently deleted under FCRA 611 and FDCPA 809 ( b ). 
XXXX XXXX * Collection Date Opened : XX/XX/XXXX | XXXX XXXX : {$2300.00} I have no knowledge or record of ever opening an account with this company. This appears to be a duplicate or fraudulent account being reported under my file. The furnisher has failed to provide any original contract, agreement, or verification of the alleged debt. According to FCRA 611 ( A ) ( 1 ) ( A ), if the furnisher can not verify the information, it must be deleted immediately. This false entry violates my right to accurate and verifiable reporting under FCRA 607 ( B ). 
XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | Balance Owed : {$3300.00} This account is inaccurately listed as a charge off. I have no knowledge of this creditor and have never entered into any agreement with this company. Without signed documentation or verifiable evidence linking me to this account, the information is unverifiable and must be deleted under FCRA 611. Reporting unverifiable charge-off accounts is a violation of FCRA 623 ( A ) ( 1 ) ( D ) and 602 ( A ) which guarantees fairness and accuracy in consumer reporting. 
XXXX XXXX  XXXX Collection Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} This collection account is false, inaccurate, and unverifiable. I have never had any dealings or obligations with this company. The furnisher must validate the debt under FCRA 611 and FDCPA 809, or remove the item entirely. Reporting unverifiable debt is unlawful, misleading, and harmful to my credit reputation.

STORY AND IMPACT STATEMENT Because of these false and duplicated accounts, I have suffered repeated denials of credit, increased interest rates, and significant emotional distress. My credit reputation has been unfairly damaged, and I have spent numerous hours sending disputes, making calls, and gathering documentation to correct mistakes that were not mine.

Despite my disputes to the credit bureaus and furnishers, these inaccurate items remain, showing gross negligence and failure to investigate as required under FCRA 611 ( A ). The lack of proper verification and continued reporting of unverifiable data clearly demonstrates willful disregard for consumer protection laws. 
I am requesting the CFPBs intervention to ensure that these furnishers and credit bureaus are held accountable for their violations. 
LEGAL VIOLATIONS FCRA 602 ( A ) : Consumers are entitled to fair and accurate credit reporting.

FCRA 607 ( B ) : CRAs must ensure maximum possible accuracy of information.

FCRA 611 ( A ) : CRAs must investigate disputed information within 30 days.

FCRA 623 ( A ) ( 1 ) ( D ) : Data furnishers must report complete and accurate information.

FDCPA 809 ( b ) : Debt collectors must verify debts upon consumer request.

FDCPA 807 ( 8 ) : It is unlawful to communicate false credit information.

REQUESTED ACTIONS 1. Conduct a full and independent investigation into the listed furnishers and credit bureaus.

2. Require deletion of all unverifiable, duplicate, and unauthorized accounts and inquiries.

3. Impose penalties or corrective actions against furnishers found in violation.

4. Provide a written report detailing the findings and actions taken.

Conclusion I respectfully request the CFPB to hold these furnishers and reporting agencies accountable for their failure to comply with federal law. The false and unverifiable information reported under my name has caused me ongoing harm and financial loss. I ask for a thorough investigation and complete removal of the disputed information from my credit files.

Company response to consumer: Closed with explanation