Consumer complaint received 2025-10-15 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 formal complaint regarding multiple inaccurate, unverified, and unauthorized items being reported on my consumer credit report by various furnishers and credit reporting agencies ( Experian, TransUnion, and Equifax ). These violations involve collection accounts, false late payment reporting, and unauthorized hard inquiries that have caused significant damage to my credit reputation, financial opportunities, and peace of mind.

Despite my good faith disputes submitted to the credit bureaus under FCRA 611 ( a ), the inaccurate items remain uncorrected and continue to be reported without proper verification or investigation, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 
INCORRECT ADDRESSES TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Each of the addresses listed above represents a clear case of identity confusion or mixed-file reporting, which directly violates FCRA 605B ( Identity Theft Protections ). I demand an immediate reinvestigation and removal of all these false addresses within 30 days as required under federal law.

ACCOUNTS BEING DISPUTED FOR INACCURACY AND LACK OF VERIFIABLE INFORMATION XXXX XXXX | High Balance : {$830.00} | Date Opened : XX/XX/XXXX | Charge Off I have no knowledge of this account. I never opened or authorized any account with XXXX matching this number. Reporting this as my obligation is inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ). I request its complete deletion for failure to verify ownership. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX  High Balance : {$1000.00} | Charge Off This account is not mine. I have never maintained any XXXX XXXX  XXXX  through XXXX XXXX. This reporting is erroneous and not supported by any valid contract or application. I request full deletion under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX | High Balance : {$3100.00} | Date Opened : XX/XX/XXXX | Charge Off I dispute this item as inaccurate and unverifiable. I have no relationship with XXXX XXXX matching this account number, and the reporting of a charge-off is false. Immediate deletion is required under FCRA 611 and 623. 
XXXX XXXX XXXX | High Balance : {$470.00} | Date Opened : XX/XX/XXXX | Charge Off I never opened this account. I have no record of any financial dealings with XXXX XXXX. This appears to be a mixed file or identity theft issue. I demand permanent removal for violation of 607 ( b ) and 611 ( a ). 
XXXX XXXX XXXX | High Balance : {$500.00} | Date Opened : XX/XX/XXXX | Charge Off I have no knowledge of this account. No documentation has been provided proving its legitimacy. Reporting this as a charge-off without verification is a breach of FCRA 623 ( a ) ( 1 ) ( B ). I request immediate deletion. 
XXXX XXXX | High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Charge Off I have never opened or maintained this account. The reporting is false and damaging. Delete this from my credit report immediately under 611. 
XXXX XXXX XXXX High Balance : {$310.00} | Date Opened : XX/XX/XXXX | Late Payment This account has been incorrectly marked with late payments. I have never been late on this account, and this reporting is false. Under 607 ( B ) and 611 ( A ), you are required to correct or delete inaccurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Late Payment This entry duplicates the same account as above and falsely reports delinquencies. I request correction to show a perfect payment history, not deletion. 
XXXX XXXX XXXX XXXX | High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Charge Off I have no knowledge of this account. I have never opened or authorized any credit line with XXXX XXXX. Reporting this as a charge-off is completely false and unverifiable. I request full deletion under 611 ( a ) ( 5 ) ( A ) due to failure to verify ownership or consent. 
XXXX XXXX XXXX XXXX | High Balance : {$1400.00} | Date Opened : XX/XX/XXXX | Charge Off This account is not mine and has been wrongly attributed to my credit file. I have no relationship or signed contract with XXXX XXXX XXXX. The continued reporting of this false information constitutes willful noncompliance under 1681n. Delete this account immediately. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$39000.00} | Date Opened XXXX XXXX XXXX Late Payment This appears to be a duplicate of the previous entry, both containing the same balance and open date. Duplicate reporting violates accuracy standards under 607 ( B ). I demand immediate deletion of the duplicate and correction of the payment record. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$3800.00} | Date Opened : XX/XX/XXXX | Collection I have no knowledge or record of this collection account. I never received any notice of debt validation as required by the FDCPA ( 15 U.S.C. 809 ). This item is unverifiable and must be permanently deleted under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$720.00} | Date Opened : XX/XX/XXXX | Collection This account is inaccurate and unverified. XXXX XXXX is reporting debt ownership without proof or validation of assignment. I dispute this completely and demand deletion under 623 ( a ) ( 1 ) ( A ) and 611 ( a ). 
XXXX XXXX XXXX XXXX | High Balance : {$2600.00} | Date Opened : XX/XX/XXXX | Collection I do not recognize this debt. No verification or validation of debt has ever been provided. Continuing to report this item after being notified of dispute violates 623 ( a ) ( 3 ). Please delete this collection immediately. 
XXXX XXXX XXXX XXXX High Balance : {$70.00} | Date Opened : XX/XX/XXXX | Collection I have no knowledge or record of this account. I have never been notified of any such debt or received validation of this alleged amount. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA 809 ) requiring debt verification. Since this information can not be verified, it must be immediately deleted under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXXXXXX XXXX XXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXXXXXX XXXX Collection This reporting is inaccurate. XXXX XXXX has provided no proof that I owe this debt or that it was properly assigned to them. Without verifiable documentation, continuing to report this violates FCRA 623 ( a ) ( 1 ) ( A ). I demand permanent removal of this entry. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Collection This account is completely unverifiable. Reporting a zero-balance collection with no supporting documentation misleads creditors and damages my profile. Delete this immediately for failure to comply with 607 ( B ) requiring maximum accuracy. 
XXXX XXXX XXXX | High Balance : {$2200.00} | Date Opened : XX/XX/XXXX | Collection I dispute this account as inaccurate. I have never defaulted on or maintained any unpaid XXXX account matching this number. XXXX or its collectors have failed to validate this debt. Please remove it from my credit file as it is unverifiable and outdated under FCRA 605 ( a ).

UNVERIFIED AND UNAUTHORIZED HARD INQUIRIES Hard inquiries directly affect a consumers credit score and privacy. I am disputing the following inquiries because I did not authorize or consent to them. Each inquiry must be verified with signed authorization, or else deleted immediately under 611 ( a ) and 604 ( f ) which restrict inquiries to permissible purposes only. 
XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized Inquiry I never gave consent for these companies to pull or access my credit report. Without my signed authorization or a valid permissible purpose under FCRA 604 ( a ) ( 3 ), these inquiries must be deleted immediately.

LEGAL VIOLATIONS AND IMPACT The furnishers and credit bureaus have failed to maintain procedures to ensure maximum possible accuracy as required by FCRA 607 ( b ).

They failed to properly reinvestigate and delete unverifiable items within 30 days as required by 611 ( a ) ( 1 ) ( A ).

They are reporting and re-reporting false and incomplete data in violation of 623 ( a ) ( 1 ) ( A ).

Debt collectors have failed to provide validation of debts as required by the FDCPA 809 ( b ).

Multiple inquiries were made without a permissible purpose, violating 604 ( a ) and 604 ( f ). 
These actions have caused significant harm to my creditworthiness, emotional distress, and financial hardship. My FICO and XXXX scores have been unfairly lowered, and Ive been denied credit opportunities due to this inaccurate and unverifiable information. 
REQUEST FOR CFPB ACTION I respectfully request that the Consumer Financial Protection Bureau take immediate action to : XXXX. Investigate these violations committed by the credit bureaus and furnishers. 
XXXX. Require deletion of all unverifiable collection accounts and unauthorized inquiries. 
XXXX. Ensure correction of the falsely reported late payment entry. 
XXXX. Impose penalties or enforcement actions against furnishers and bureaus for willful noncompliance. 
XXXX. Provide a written response and confirmation once the investigation has been completed.

Company response to consumer: Closed with non-monetary relief