Consumer complaint received 2025-11-22 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 because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) are being violated. My credit file contains multiple inaccurate, unverifiable, and fraudulent entries, including addresses, late payments, charge-offs, collections, and inquiries that I did not authorize or consent to. I am demanding a full investigation and immediate correction. 

There are several addresses reporting on my credit profile that are wrong and have never belonged to me. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at these locations and did not authorize the reporting of these addresses. Their presence indicates possible identity theft, file merging errors, or third-party reporting without legal authorization. Under FCRA 611 and 609 ( a ), any information that can not be 100 % verified must be removed.

In addition, there are multiple accounts reporting as late payments, charge-offs, or collections that are either inaccurate or accounts I have no knowledge of. Examples include but are not limited to 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 XXXX For all charge-off and collection entries, I am disputing them as accounts I do not have knowledge of and they must be deleted immediately if the furnishers can not produce complete validation and documented consent bearing my wet signature as required under FDCPA 809 and FCRA 605B. 

Any account reporting late payment history, such as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, is being disputed because the payment history is inaccurate. I have never been late on those accounts, and therefore I am asserting that the reported late marks violate FCRA 602 ( A ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ). If the data furnisher can not provide timestamped payment ledger proof, these must be corrected. 

Additionally, there are multiple unauthorized hard inquiries reporting on my file dated between XXXX and XX/XX/year> from companies including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. I did not authorize these inquiries. Under FCRA Section 604, hard inquiries require explicit consumer permission. Since that did not occur, these must be removed. 

I am requesting the CFPB to enforce compliance under federal law and require the bureaus and furnishers to : Remove all fraudulent and unverifiable addresses. 

Delete all charge-off and collection accounts I dispute as unknown unless fully verified with original signed contracts. 

Correct all inaccurate late payment history. 

Remove all unauthorized hard inquiries. 

I expect written confirmation and updated reporting within the legally required timeframe. Failure to comply will result in escalation, including possible legal action and complaints filed with state regulators and the Attorney General. 

Thank you for your time, and I expect a full investigation and resolution.

Company response to consumer: Closed with non-monetary relief