Consumer complaint received 2025-07-25 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:
To Whom It May Concern this is a formal complaint filed with the Consumer Financial Protection Bureau regarding serious inaccuracies on my credit report that are causing me harm and distress the information being reported is not only outdated but also misleading and does not accurately reflect my financial conduct I am disputing the following address and accounts which are appearing on my credit report without my authorization or are being inaccurately reported despite previous attempts to correct them I am now seeking the intervention of the CFPB to enforce my rights under federal law and demand a reinvestigation and immediate correction.

XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : This address is inaccurately associated with my profile Law : FCRA 15 USC 1681e ( b ) Credit reporting agencies must maintain maximum possible accuracy Story : I have never lived at this address, and it appears due to an erroneous data merge or identity confusion. This inaccurate reporting creates confusion about my residency history and harms my creditworthiness Request : Delete this address from my credit report immediately due to lack of verification and accuracy XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong address reporting Law : FCRA 15 USC 1681e ( b ) Story : I have no connection with this residence and it was never part of my rental, employment, or mailing history. This causes compliance and verification risks under identity and residency review Request : Remove this address from my credit profile immediately as it is incorrect and unverifiable XXXX  Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Late payment reporting on a closed account with {$0.00} balance Law : FCRA 15 USC 1681i ( a ) Duty to reinvestigate disputed information ; 15 USC 1681s-2 ( a ) Furnishers must report accurate information Story : This account is showing a late payment despite having a {$0.00} balance and being closed for years. It is inaccurate and misleading, and such historical derogatory reporting harms my credit unfairly. No valid verification has ever been provided for this alleged delinquency Request : Remove all derogatory marks including late payments from this account immediately XXXX  XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * Issue : Inaccurate charge-off reporting Law : FCRA 15 USC 1681i ( a ) and 1681s-2 ( b ) Inaccurate or unverifiable accounts must be corrected or deleted Story : This account reflects a charge-off with a {$0.00} balance, which suggests it was paid or resolved. Yet, the derogatory status remains, which is misleading and violates data accuracy requirements. I have never received a proper validation notice, and the tradeline negatively impacts my profile without substantiation Request : Delete this account or correct the status to reflect " Paid in Full '' or Closed in Good Standing with no derogatory status I am requesting the CFPB to intervene and enforce my rights under the Fair Credit Reporting Act to ensure that all disputed items above are properly investigated corrected or deleted I request documentation of the reinvestigation process and a written response confirming the final outcome of each dispute I am prepared to escalate this matter legally if the inaccuracies are not resolved in compliance with federal law.

Company response to consumer: Closed with non-monetary relief