Consumer complaint received 2025-07-31 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 
XXXX XXXX XXXX XXXX, VA Issue : Wrong Address Law : FCRA 1681e ( b ) requires maximum possible accuracy Story : I have never resided at or been affiliated with this address. It is appearing on my credit file erroneously and must be removed immediately. 

XXXX XXXX XXXX XXXX, SC XXXX Issue : Inaccurate Address Law : FCRA 1681e ( b ) Story : I have not lived at this location and have no connection to it. Its inclusion is a mistake and misrepresents my personal identifying information. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : FCRA 1681i, 1681s-2 ( b ) Story : This account reflects a late payment inaccurately. I always made payments on time or had resolved this matter with the creditor. Please validate and correct or remove. 

XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : FCRA 1681i Story : This account has reported a late payment that I dispute. The reporting does not align with my payment history and requires verification. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : This late payment is inaccurate. The account either did not exist at the time or was not in delinquency. I request a reinvestigation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : FCRA 1681i Story : I am disputing the timeliness of payment reporting here. This late status was never communicated, nor verified accurately with me. 

XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : I was never late on this account. This derogatory mark is not accurate and harms my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge Off Law : FCRA 1681s-2 ( b ), FDCPA 807 ( 8 ) Story : This account should not be marked as a charge-off. I either paid or settled it long ago. I dispute its current reporting status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681i Story : I do not recognize this account or the charge-off status. Please verify the original creditor documentation or remove it. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Collection Law : FCRA 1681s-2, FDCPA 807 Story : This collection is inaccurate. I was never notified or validated about this debt under the FDCPA before reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681s-2 ( b ) Story : This charge-off is inaccurate and was resolved. No verification or proper notice was given prior to its credit report listing. 

XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection Law : FDCPA 809, FCRA 1681i Story : This debt was never validated. Reporting to the bureau without validation is a violation. Please delete this entry. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681i Story : I am disputing the accuracy of this charge-off. There was no charge-off status as described. 

XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681s-2 ( b ) Story : I never had an account with this description. This may be a merged or mistaken identity issue. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FDCPA 809, FCRA 1681e ( b ) Story : This is a duplicate or incorrectly reported collection. Please provide debt validation documents. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681s-2 Story : I have no record of this account or any correspondence. Remove unless verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681i, FDCPA 809 Story : This collection entry is invalid. No documentation or notice was given. Delete if unverifiable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681s-2 ( b ) Story : This account is inaccurately marked. I never had a charge-off from this creditor. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Collection Law : FCRA 1681i Story : No debt validation was provided for this collection account. Reporting without notice is improper. 

XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : I paid this on time and have proof. Please remove or update the late status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collection Law : FDCPA XXXX Story : This collection was never validated or properly disclosed. I demand investigation or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681i Story : The account details are incorrect. The charge-off was never disclosed nor proven. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge Off Law : FCRA 1681s-2 Story : This charge-off is inaccurate. I had no outstanding balance when closed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Collection Law : FDCPA 809 Story : I never received a collection notice for this debt. Please validate or remove. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681i Story : I am not responsible for this account. This charge-off is in error and should be removed. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 1681e ( b ), 1681s-2 Story : This entry is being disputed for accuracy. The account was not charged off or resolved before being reported. 

EQUIFAX INQUIRIES Law : FCRA 604 ( a ), 609 ( a ), 607 ( a ) Issue : These inquiries appear without legal basis or my direct authorization Story : These entries are not linked to any credit application initiated by me. I am requesting their removal as they were pulled without a permissible purpose under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

Company response to consumer: Closed with non-monetary relief