Consumer complaint received 2025-08-13 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 filing this formal complaint against multiple furnishers and credit reporting agencies for their continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports. Despite my previous disputes, these items remain, causing ongoing financial harm. The following accounts and inquiries are at issue : XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have never resided at or been associated with this address. Reporting it is a direct violation of FCRA XXXX ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy. 
Law : XXXX FCRA XXXX, when a consumer disputes inaccurate information, the CRA must promptly investigate and delete unverifiable or false data. 
XXXX : This address is entirely unrelated to my life history. I have never signed a lease, owned property, received mail, or conducted any financial transactions linked to this location. The presence of this wrong address suggests file contamination or mixed file error, which is a serious breach of your duty to maintain accurate consumer data. This not only misrepresents my identity but also increases my vulnerability to identity theft, fraud investigations, and wrongful debt collection. The fact that this information is being shared with lenders and other institutions without my consent has already led to embarrassing and humiliating rejections when applying for housing and credit. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : Completely unrelated to me. 
XXXX : FCRA XXXX ( a ) ( XXXX ) prohibits obsolete or false identifiers in consumer reports. 
XXXX : This is an especially concerning error because it appears to be an active residential address, which increases the danger of my personal data being confused with another individual living there. Such errors can lead to cross-reporting of debts, criminal background data, and other personal information that has nothing to do with me. This is negligent data management and a breach of my consumer rights. 
XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account contains inaccurate late payment history. 
Law : FCRA XXXX ( a ) prohibits furnishers from reporting inaccurate information ; XXXX requires investigation. 
Story : I have maintained an on-time payment record with XXXX, XXXX this account is showing late payments that never occurred. My bank statements and payment confirmations prove timely payment, but XXXX and the credit bureaus have continued to report otherwise, damaging my credit score. This has resulted in me being offered higher interest rates on recent loan applications and being turned away for certain lines of credit. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$3600.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurate charge-off and balance reporting. 
XXXX : FCRA XXXX ( a ) ( XXXX ) prohibits reporting outdated derogatory items ; FDCPA XXXX forbids false representation of debt. 
XXXX : This account is inaccurately listed as a charge-off despite me making multiple good-faith payments and never receiving proper written validation of the alleged remaining balance. This wrongful reporting has made it impossible for me to refinance my mortgage, costing me thousands in interest over time. 
XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Charge Off Issue : False charge-off. 
Law : Same as above. 
Story : Discovers reporting is riddled with inconsistencies, including incorrect payment dates and amounts. Without producing the original signed agreement or proof of default, they are in violation of federal law by continuing to damage my credit file. 
XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payment incorrectly reported. 
Law : FCRA XXXX mandates prompt deletion if unverifiable. 
XXXX : This late payment marker appears to be the result of a clerical error during a system update. The reporting has lowered my score by over XXXX points, impacting my ability to obtain a business loan for an expansion project, which has caused significant financial setbacks. 
XXXX XXXX  XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off Issue : False and harmful reporting. 
Law : FCRA + FDCPA violations for unverified charge-off. 
Story : XXXX XXXX has never provided me with any written notice or opportunity to cure the alleged default before reporting the charge-off, violating my due process rights. This has prevented me from securing affordable auto financing. 
XXXX XXXX  XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurate reporting. 
Law : FCRA XXXX ( b ) obligates furnishers to correct inaccurate data after dispute. 
Story : Despite repeated disputes, XXXX XXXX continues to list this account as charged-off without providing any legitimate proof, demonstrating willful noncompliance. 
XXXX XXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Collection Issue : Unauthorized collection. 
Law : FDCPA XXXX requires debt validation before collection reporting ; none was provided. 
Story : XXXX XXXX has a known history of purchasing old, unverified debts and reporting them as new collections. I have never received any validation letter or proof that this debt belongs to me, yet it is severely damaging my credit. 
XXXX XXXX- * High Balance : {$600.00} Date Opened : XX/XX/XXXX Collection Issue : This account is being reported as a collection, yet I have never received any notice of debt validation as required under FDCPA XXXX ( a ) before reporting to credit bureaus. No signed agreement, itemized accounting, or proof of ownership of the debt has been provided. 
XXXX : FCRA XXXX ( b ) requires maximum possible accuracy ; FDCPA XXXX prohibits false representation of a debt ; FDCPA XXXX ( b ) requires validation upon request before further collection activity. 
XXXX : This account has caused substantial harm to my credit profile and financial opportunities. It is being reported by a third-party debt collector with no verifiable connection to the original creditor, suggesting possible re-aging and unauthorized reporting. 
XXXX XXXX- * High Balance : {$550.00} Date Opened : XX/XX/XXXX Collection Issue : Open date suggests possible re-aging, which is prohibited under FCRA XXXX ( a ) ( XXXX ). No original contract or validation provided. 
XXXX : FCRA XXXX ( a ) prohibits re-aging ; FDCPA XXXX prohibits misleading representations. 
XXXX : This account appears to be manipulated to make it seem more recent, causing my credit damage to extend unlawfully. 
Relief Requested : I request that the CFPB investigate these furnishers and credit reporting agencies for willful violations of FCRA and FDCPA, order the immediate deletion of all unverifiable and duplicate accounts, and ensure removal of all unauthorized XXXX  inquiries. 
These violations have caused significant harm to my creditworthiness, emotional distress, and financial opportunities. I request written confirmation of the actions taken within the statutory period.

Company response to consumer: Closed with non-monetary relief