Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate, misleading, or unverifiable information. The items below are either collections or inquiries that are inaccurate, unknown, or unauthorized, and I demand they be corrected or removed immediately. 
Wrong Address Listings : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never resided here, yet it appears on my credit file. This false information could affect my credit verification and approval for legitimate credit. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I do not live or have any connection to this property. It must be removed to prevent wrongful association with debts or collection activity. 
Accounts Disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$470.00} Charge Off * * I have no knowledge of this account, never opened it. Its reporting is fraudulent. Removing it is required to correct my credit record and prevent damage to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Balance : {$540.00} Charge Off * * This account is unknown to me, yet reported as a charge-off. Reporting unverifiable accounts violates FCRA 1681i. Immediate deletion is requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Balance : {$620.00} Charge Off * * I dispute this charge-off as I have no relationship with this creditor. Its presence on my report is inaccurate and harmful. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX : {$580.00} XXXX * * I have never been contacted or invoiced for this account. Reporting it as a collection is false and misleading. XXXX must be provided or account deleted. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX, XXXX XXXX : {$620.00} XXXX * * This collection is inaccurate. I have no knowledge of this account and demand its removal to protect my creditworthiness. 
XXXX XXXX * Date Opened : XX/XX/XXXX, XXXX XXXX : {$470.00} XXXX * * Reporting this account is false and damaging. I never opened or authorized this account. Immediate correction or deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$580.00} Collection * * This collection is unknown to me. Its appearance on my credit report is incorrect. I demand verification and deletion if it can not be validated. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$1700.00} XXXX * * I have no knowledge of this account. Reporting it as a collection is inaccurate and harmful. This must be corrected or deleted per FCRA 1681i ( a ). 
Hard Inquiries Disputed : XXXX XXXX XXXX  XX/XX/XXXX I never applied for credit with this entity. The inquiry is invalid. 
XXXX XX/XX/XXXX I did not authorize this. Removal is required. 
I demand that all disputed collections and inquiries be investigated, corrected, or deleted immediately. I request that your investigation include verification with the original creditors and written confirmation of the outcome as required under 15 U.S.C. 1681i ( a ) ( 6 ). 
Failure to comply with FCRA regulations exposes the reporting agencies and creditors to legal liability. I am prepared to escalate this matter if my rights are not fully restored. 
Supporting Documents : Proof of current address Identification documents Credit report screenshots highlighting disputed items I expect a response within 30 days, as mandated under the FCRA. This complaint is submitted for correction, deletion, and verification of all items in question.

Company response to consumer: Closed with non-monetary relief