Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint regarding multiple false collection accounts and unauthorized credit inquiries being reported under my credit profile. These items are causing significant damage to my credit reputation and are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Despite my prior disputes with the credit bureaus, these unverifiable and unauthorized items remain on my report. I respectfully request the CFPBs assistance in investigating these matters and ensuring the removal or correction of these entries.

Incorrect Personal Information Reported The following addresses are being falsely associated with my profile. I have never lived at or been connected to any of these locations, and therefore they should be deleted immediately as they are damaging and misleading : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses do not belong to me and their continued reporting constitutes a violation of FCRA 607 ( b ), which requires credit bureaus to maintain accurate and verifiable information only. 
Disputed Accounts and Violations XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off * * I have no knowledge of this account and have never opened any account with XXXX or XXXX. This appears to be a case of mixed file or identity error. I demand immediate deletion of this account from my report under FCRA 611 as it is unverifiable. 
XXXXXXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment * * This account is being reported inaccurately with late payment notations. I have never made any late payments on this account. This false information is damaging my credit reputation and must be corrected to show an on-time payment history. 
XXXX XXXX * Dates Opened : XX/XX/XXXX & XX/XX/XXXX | Balance : {$0.00} | Status : Late Payments * * Multiple duplicate entries are being reported with alleged late payments. These reports are completely inaccurate. I have maintained my student loan payments responsibly. I am demanding an immediate correction of the payment history and removal of duplicate records. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$97.00} | Status : Late Payment * * This account has been wrongly marked late. I have never made a late payment or defaulted on this obligation. Please verify the payment record and correct it to show on-time status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX | Balances : {$480.00}, {$680.00} | Status : Collection * * I have no knowledge of these collection accounts. These items were never authorized or acknowledged by me. I am requesting deletion of these accounts under FCRA 611 and 623 ( a ) ( 1 ) ( A ) due to lack of proper verification and documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$460.00} | Status : Collection * * This account is also unknown to me. I have never had any relationship with XXXX XXXX. Unless verifiable proof of the original signed agreement is provided, this item must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$610.00} | Status : Collection * * This account is not mine and was never authorized. I am requesting immediate deletion as it is unverifiable and damaging. No supporting documentation or validation has been provided as required by FCRA and FDCPA regulations. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$74.00} | Status : Collection * * I have no knowledge of any account with this agency. This record appears to be false and unverifiable. Please remove this entry immediately under FCRA 611 ( a ).

Unauthorized Hard Inquiries The following hard inquiries were made without my written authorization or permissible purpose as defined under FCRA 604 ( a ). I am demanding their immediate removal, as they constitute unauthorized access to my personal credit file : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I have never authorized any of these inquiries, nor did I apply for credit with these institutions on or near the reported dates. Under FCRA 604 ( a ) ( 3 ), no person may obtain a consumer report unless a permissible purpose is present. These inquiries are unauthorized and must be deleted immediately.

Legal Violations and Basis for Complaint FCRA Violations : 607 ( b ) : Failure to ensure maximum possible accuracy.

609 ( a ) : Failure to provide the source and verification of disputed accounts.

611 ( a ) : Failure to reinvestigate disputed items properly.

623 ( a ) ( 1 ) ( A ) : Reporting of false or unverified information by furnishers.

604 ( a ) : Unauthorized access to my credit file without permissible purpose.

FDCPA Violations : 807 ( 8 ) : Communicating false credit information.

809 ( b ) : Failure to provide proper validation of alleged debts upon request.

Requested Actions by CFPB I am requesting that the CFPB : XXXX. Conduct a full investigation into the above-listed collection accounts and hard inquiries. 
XXXX. Direct the credit bureaus and furnishers to provide full documentation or immediately delete unverifiable items. 
XXXX. Ensure compliance with all applicable FCRA and FDCPA provisions. 
XXXX. Provide a written confirmation of all actions taken once the investigation is complete. 
Statement of Harm These false and unauthorized items have caused : Denial of credit applications, Damage to my credit score and reputation, and Emotional distress due to privacy violations and financial harm. 
I am a law-abiding consumer seeking accuracy and fairness under the law. I trust that the CFPB will ensure proper compliance and protection of my rights under federal law.

Company response to consumer: Closed with non-monetary relief