Consumer complaint received 2025-08-08 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 writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : This address is being reported incorrectly and does not belong to me. Its presence on my credit file is misleading and could result in confusion or fraud. 
Law : FCRA 609 and 611 grant me the right to accurate information and the ability to dispute errors. 
Story : I have never resided at this address. Its appearance on my profile could potentially expose me to liability or mistaken identity concerns, causing unnecessary hardship and risk of fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$9500.00} Opened : XX/XX/XXXX Issue : Duplicate or erroneous charge off entry.

Law : FCRA forbids redundant, unverified, or erroneous entries.

Story : This duplication has exaggerated my financial XXXX  profile, directly affecting my ability to obtain fair terms for credit and housing. 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$1000.00} Opened : XX/XX/XXXX Issue : Account is showing charge off status ; no validation or detailed itemization provided despite my repeated requests. 
Law : FDCPA Section 809 and FCRA 611 require proper validation and correction of disputed items. 
Story : Repeated attempts to resolve this have been ignored, undermining my trust and causing XXXX  about fraudulent or unauthorized transactions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$510.00} Opened : XX/XX/XXXX Issue : Late payment marked without notifying me as the law requires. 
Law : FCRA, CFPB guidance Consumers must be enabled to correct or dispute records before negative reporting.

Story : No bill or request for payment reached me. The negative mark resulted in declined applications for essential credit during an emergency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$2100.00} Opened : XX/XX/XXXX Issue : Redundant charge off, potentially double-reporting the same debt. 
Law : Reporting agencies must ensure no double jeopardy for single accounts ( FCRA 609 ).

Story : This entry, identical to another, has unfairly caused my debt-to-income ratio to appear much worse, triggering multiple denial letters on housing. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$6400.00} Opened : XX/XX/XXXX Issue : Late payment entry does not reflect any late statement on my end, never received notice. 
Law : FCRA requires timely notice before adverse reports.

Story : The late payment blemished my record right as I was securing a car loan, causing higher rates and suspicion about my financial reliability. 

XXXX XXXXXXXXXXXX XXXX XXXX High Balance : {$27000.00} Opened : XX/XX/XXXX Issue : Late payment reported during a period when natural disaster/medical emergency impeded my payment ability ; not taken into consideration. 
Law : CFPB encourages lenders to provide hardship accommodations ( CFPB Bulletin 2014-03 ).

Story : Despite providing documentation of unavoidable hardship, my request for relief went ignored, and now my credit report is unjustly penalized. 

XXXX XXXX XXXXXXXX XXXX High Balance : {$8900.00} Opened : XX/XX/XXXX Issue : Charge off without proper notification ; validation not received ; disputed.

Law : FDCPA, FCRA.

Story : My requests for verification have gone unanswered, raising suspicion whether this debt is truly mine or a case of identity theft or clerical error. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1800.00} Opened : XX/XX/XXXX Issue : Charge off, entry disputed, no validation or communication regarding the original debt. 
Law : FCRA requires accurate, validated data. 
Story : Without proof or communication, this charge off unwarrantedly drags down my score, adding to financial and XXXX  XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6700.00} Opened : XX/XX/XXXX Issue : Late payment marked erroneously, never given an account statement.

Law : FCRA, Reg V.

Story : No statement, no reminder, no chance to correctyet my credit is penalized, affecting my employment opportunities. 

XXXX XXXX XXXX High Balance : {$910.00} Opened : XX/XX/XXXX Issue : XXXX showing without validation or original documentation. 
Law : FDCPA requires validation ; FCRA enforces accuracy. 
Story : A collection surfaced seemingly out of nowhere, causing XXXX  and fear of mistaken collection activity targeting me. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$550.00} Opened : XX/XX/XXXX Issue : Collection reporting with no disclosure ; incomplete debt information.

Law : FDCPA Section 809.

Story : Never received a collection notice or right to disputethis feels like a violation of my basic consumer protections. 

XXXX XXXX XXXX XXXX  High Balance : {$1100.00} Opened : XX/XX/XXXX Issue : XXXX posted without supporting documentation or original creditor details. 
Law : FDCPA, FCRA.

Story : The sudden appearance of this collection has cast doubt on all my recent credit applicationsharmful and unjustified. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$730.00} Opened : XX/XX/XXXX Issue : Collection showing, disputed, never received prior communication or an itemized statement. 
Law : FDCPA 809.

Story : The lack of transparency makes me question if this is a real debt or an erroreither way, it severely hurts my creditworthiness. 

Unknown Account XXXXXXXX XXXX XXXX  High Balance : {$140.00} Opened : XX/XX/XXXX Issue : Unexplained collection, no communication, may not be my account.

Law : FDCPA, FCRA.

Story : This unexplained addition raises questions about the security and accuracy of my data, making me wary of further identity theft attempts. 

XXXX XXXX XXXXXX/XX/XXXX Issue : No account sought, unauthorized inquiry present. 
Law : FCRA 604.

Story : Unwanted inquiries create a misleading profile, scaring off lenders for valid applications.

RELIEF REQUESTED : 1. Immediate investigation and removal of inaccurate addresses 2. Full deletion of inaccurate, duplicated, and unverifiable negative accounts 3. Permanent removal of unauthorized inquiries from my credit reports 4. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored.

Thank you for your assistance

Company response to consumer: Closed with non-monetary relief