Consumer complaint received 2025-07-29 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Address Issue : This address is not mine and is being inaccurately reported on my credit file Law : FCRA 1681e ( b ) and 1681i require credit bureaus to ensure accuracy and conduct prompt reinvestigation of any disputed data Story : I have never lived at this address nor had any financial association tied to it, this information is incorrect and creates false associations on my report, I request this be permanently removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Chargeoff * * Issue : This account is unfamiliar, unverifiable, and reported as charged off without validation Law : FCRA 1681i and 611 give me the right to a reinvestigation and mandate deletion if the furnisher can not prove the debt Story : I have never opened or authorized this account and no contract or documentation has ever been shown to me, I formally dispute this and demand deletion for lack of validation XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} Chargeoff * Issue : This is an unauthorized account that does not belong to me Law : FCRA 1681i and the FACTA amendment require removal of any unverifiable or fraud-related entry upon dispute Story : I have no knowledge of this creditor or account, it may be the result of identity theft or misreporting and I demand that it be deleted from my report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00} Collection * * Issue : This collection is unknown, has never been validated, and is not tied to any debt I acknowledge Law : FDCPA 809 and FCRA 1681i require collectors and credit bureaus to provide proof of debt upon request or delete the item Story : I was never notified of this collection nor have I received any supporting documentation to confirm its validity, I dispute it completely and request its removal due to lack of proper validation These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

Company response to consumer: Closed with explanation