Consumer complaint received 2025-10-27 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 Representative, I am submitting this formal complaint against Experian XXXX XXXX XXXX XXXX and several data furnishers for the inaccurate, false, and unverifiable information being reported on my credit report. Despite my consistent efforts to correct these errors directly with the credit reporting agencies, the false information remains on my file, causing damage to my creditworthiness, financial reputation, and peace of mind. 
The following addresses are being falsely reported as my previous or current residences, but I have never lived at, used, or been associated with any of them. Their presence on my credit file is inaccurate and misleading, suggesting possible data contamination or identity confusion : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address These addresses must be removed immediately from my credit file as they are not connected to me or my credit activity. Their presence suggests potential identity confusion or data error within your reporting system. 
Furthermore, I dispute the following accounts and inquiries, which have been inaccurately reported : XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$790.00} Reported as Late Payment I have never made late payments on this account. The late payment notation is incorrect and must be corrected to reflect an on-time payment history. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Reported as Late Payment This is another reporting error. My payment records do not show any delays or delinquencies. Please correct this account to show no late payments. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} Reported as Late Payment This entry is inaccurate. I have maintained this account responsibly and never missed a payment. Please verify and remove the late payment history. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} Charge-Off I have no knowledge or record of this account being charged off. This appears to be an error or identity issue. Please investigate and remove this charge-off entry immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Reported as Late Payment This information is inaccurate and damaging. I have never made a late payment on this account. Please review the original payment records and update accordingly. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Reported as Late Payment This account history is incorrect. I request that you conduct a proper verification with the furnisher and remove any false late payment marks. 
XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment This reporting is false. There were never any missed or delayed payments. I request immediate correction. 
XXXXXXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Collection Account I have no knowledge of this debt or collection account. I have never received any validation or correspondence proving that this debt is mine. According to the FCRA, unverifiable or unvalidated accounts must be deleted from my credit file. 
Additionally, I dispute the following hard inquiries, which were made without my authorization or consent : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unauthorized and represent either potential identity theft or erroneous reporting. I did not grant permission for any of these entities to access my credit. Please remove all unauthorized inquiries immediately. 
Legal Basis for Complaint Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate and verifiable information. Under Section 609 and Section 611, I have the right to dispute inaccurate or unverifiable data, and the credit bureau must conduct a reasonable investigation within 30 days. 
Additionally, the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide written validation of any alleged debt before it can be reported or collected. No such validation has been provided to me for the collection account listed above. 
Requested Actions XXXX. Immediate removal of all wrong addresses listed above. 
XXXX. Correction or deletion of all inaccurate late payments, charge-offs, and collection accounts that can not be verified with proper documentation. 
XXXX. Deletion of all unauthorized inquiries that were made without my consent. 
XXXX. Written confirmation and updated copy of my credit report showing all corrections made. 
Conclusion These false reports have caused significant financial and emotional harm. I am requesting that the CFPB investigate these violations and take appropriate action against Experian and the involved furnishers for failing to comply with the FCRA and FDCPA. I am exercising my full legal rights to ensure the accuracy and integrity of my credit report. 
Please confirm receipt of this complaint and advise me of the next steps.

Company response to consumer: Closed with explanation