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, I am filing this formal complaint against multiple furnishers and credit reporting agencies ( CRAs ) for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The information listed below is either inaccurate, unverifiable, duplicated, obsolete, or falsely reported. Despite my good faith efforts to resolve these disputes directly with the CRAs, they have failed to correct or remove the erroneous data. This complaint includes wrong addresses, erroneous account data, duplicate or invalid charge-offs/collections, and unauthorized inquiries, all of which are affecting my credit profile and causing significant harm to my life and livelihood. 
XXXX XXXX XXXX XXXX, FL XXXX Issue : Mixed file address that does not belong to me Law : FCRA 1681i ( a ) requires CRA to conduct reasonable reinvestigation Story : This address is showing up because of a likely mixed file error. I do not recognize it and never authorized its inclusion. It is deeply stressful to feel like my identity is being confused or compromised. I worry daily about the security of my credit profile. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} * * Issue : Incorrect late payment Law : FCRA 623 ( a ) ( 1 ) ( A ) furnisher must report data accurately Story : I was going through a verified hardship period and had communicated with XXXX  XXXX in advance. I was never notified of a missed payment. This late mark now affects my credit score, and Im denied auto financing and personal loans despite fulfilling obligations to the best of my ability. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$540.00} * * Issue : Inaccurate delinquency history Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) duty to provide accurate data Story : I never missed a payment, yet the account was marked late without validation or evidence. This has led to severe damage to my credit and self-esteem. I work hard to maintain my financial obligations, and this false reporting has been devastating. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} * * Issue : Disputed late payment not updated Law : FCRA 609 ( a ) ( 1 ) right to receive and verify data Story : Despite multiple attempts to clarify this issue, XXXX has failed to show any proof of a missed payment. This has led to increased interest rates on all my existing cards, creating a financial snowball thats become overwhelming. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Erroneous delinquency on closed account Law : FCRA 1681e ( b ) CRA must ensure accuracy Story : A closed account with zero balance should never reflect late activity. This is false and misleading. I lost an employment opportunity because a lender flagged this late mark during a background screening. My financial future is being unfairly shaped by inaccurate reporting. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charge-off with zero balance Law : FCRA 1681e ( b ) requires accuracy in reporting Story : It makes no sense to report a charge-off on an account with a {$0.00} balance. This contradiction is being interpreted as a negative mark and keeping me from moving forward financially. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4000.00} * * Issue : Charge-off during hardship without support Law : FCRA 602 ( A ) consumers deserve fair treatment Story : I attempted to arrange modified payments during a family emergency, but XXXX refused to assist and reported a charge-off instead. I felt punished for being honest and trying to find a solution. This lack of humanity is now hurting my credit deeply. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Very old debt still on report Law : FCRA 605 ( a ) debts older than 7 years must be removed Story : This debt is over 16 years old and has no place on my report. Its presence is a clear violation of credit reporting laws and a burden I should not have to carry anymore. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} * * Issue : Duplicate collection entry Law : FCRA 607 ( b ) requires accurate representation of credit history Story : This collection is the same as one listed above. These tactics make it appear I owe more than I do, which is unethical and disqualifies me from crucial loans. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$430.00} * * Issue : Duplicate collection, already listed as charge-off Law : FCRA 611 data must be verified and corrected Story : I am being listed twice for one  debt by XXXX. This double-reporting inflates my debt profile and is actively damaging my chance at financial rehabilitation. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} * * Issue : Duplicate of XXXX XXXX charge-off Law : FDCPA 807 prohibits deceptive collection practices Story : Reporting one debt under multiple names is deceptive and overwhelming. It makes it impossible for me to dispute effectively or understand my financial standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4200.00} * * Issue : Unvalidated third-party debt Law : FDCPA 809 consumer must be informed and validated Story : I was never notified of this debt. It appeared out of nowhere and now sits heavily on my report. I feel violated and in the dark, trying to understand how a stranger 's debt could appear under my name. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} * * Issue : Invalid charge-off still being reported Law : FCRA 611 inaccuracy must be corrected or removed Story : I disputed this previously and received no documentation or proof. Despite that, it remains. This feels like retaliation for exercising my rights. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charge-off despite zero balance Law : FCRA 623 furnishers must report accurately Story : This makes no sense. Reporting a charge-off with no balance is misleading to lenders and makes it look like I defaulted on a debt I never owed. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} * * Issue : No effort to resolve before charge-off Law : FCRA 602 ( A ) consumers should be treated fairly Story : I was never given a chance to work out this account. It was charged off without a single notice. Thats not just bad businessits a violation of my rights. 
XXXX XX/XX/XXXX Issue : Unapproved hard pull Law : FCRA 604 ( c ) must be authorized Story : I never applied for anything from this company. This inquiry feels invasive and was done without my consent. 
I respectfully request the CFPB investigate these ongoing violations and hold the responsible parties accountable. I have provided ample notice to furnishers and CRAs, and yet these issues remain unresolved. The psychological burden, financial impact, and emotional toll this situation has caused me and my family is unbearable. I request deletion or correction of these errors, and I am open to providing supporting documentation if needed.

Company response to consumer: Closed with non-monetary relief