Consumer complaint received 2025-08-09 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 Representative, I am filing this formal complaint to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. 
XXXX, FL XXXX Address Issue : This address has been incorrectly added to my credit report and does not accurately match my identity. This false address has caused confusion and made it difficult for me to maintain my credit score correctly. 
Law : According to the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ), consumers have the right to have accurate information reported, and having an incorrect address is a violation of the FCRA. 
Story : In XX/XX/XXXX, I first noticed that strange addresses were appearing under my name. As a result, I was denied an important loan, which caused both personal and client-related issues. 
Demand : I demand that this incorrect address be removed immediately and that the concerned agency correct my report in accordance with the FCRA. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} Issue : This account by XXXX XXXX XXXX does not match my identity or residential address, and I never took out any loan of this amount. According to the Fair Debt Collection Practices Act ( FDCPA ), reporting any account without proper verification or with false information is a serious legal violation. 
Story : When I checked my credit report, I found a collection account reported under XXXX XXXX XXXX, which included an old and unfamiliar address plus loan information entered without my permission. This is a clear breach of federal law and has put my financial situation at risk due to inaccurate information on my credit report. I hereby demand immediate correction and a full investigation. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Issue : This XXXX XXXX account is linked with my current address, but I have never taken any services or opened this account. It was created in XXXX and is fully unrelated to me. 
Law : Under the Fair Credit Reporting Act ( FCRA ), consumer information must be accurate and up-to-date; reporting a charge-off with incorrect information is illegal. 
Story : As a longstanding utility account, this charge-off has put me in trouble, showing me at an old address where I never lived. It limits my opportunity for financial recovery and is a clear legal violation. Urgent resolution is required. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$67.00} Issue : This XXXX XXXX account does not match my current address or identity ; it has been wrongly reported due to the credit reporting agency 's negligence. 
Law : Both FCRA and FDCPA require that no charge-off be added to anyone 's credit report without proper evidence and verification. 
Story : Even though the charge-off amount is small, it has significantly impacted my credit score. On inquiry, I found the account matched an old address where I never lived, showing identity confusion or reporting error. I demand swift investigation and correction. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$190.00} Issue : Recent collection entry, but I never held any bill or loan under this account. The addresses and dates shown in the report are not aligned with the facts. 
Law : Under FDCPA/FCRA, any unauthorized or inaccurate information must be promptly removed. 
Story : A recent hard inquiry revealed a new collection entry from XXXX XXXX that does not match my name or address, proving grave negligence in data verification. 

XXXX XX/XX/XXXX Issue : Inquiry on my report without my permission. 
Law : Unauthorized inquiries must be investigated and properly deleted according to the Fair Credit Reporting Act ( FCRA ). 
Story : I never created any loan or utility accounts with this provider, yet the inquiry was added, impacting my credit score. 

XXXX XX/XX/XXXX Issue : Never applied for any XXXX product or loan ; this inquiry is unrecognized. 
Law : Adding any inquiry to my report without consent is a legal violation. 
Story : Finding an inquiry from XXXX shocked meclearly an instance of identity confusion or audit error. 

XXXX XX/XX/XXXX Issue : I have no relation with XXXX XXXX, but still, an inquiry appears in my report. 
Law : FCRA Section 604 ( c ) ; No permissible purpose without proper authorization. 
Story : It seems someone unknown used my name, or it is a reporting error. 

XXXX XXXXXX/XX/XXXX Issue : XXXX XXXX inquiry was added without my consent. 
Law : Action required under FDCPA/FCRA. 
Story : Possibly identity fraud or bureau error ; investigation is necessary. 

XXXX XXXXXX/XX/XXXX Issue : No knowledge about this lender or account, unauthorized inquiry. 
Law : Inquiry is not valid without proper written consent.

Story : Data mismatch may have led to inadvertent inquiry addition. 

XXXX XX/XX/XXXX Issue : Unknown to me ; legitimacy of inquiry is very doubtful. 
Law : Outside the bounds of FCRA. 
Story : Such unexplained inquiries are damaging my credit reputation. 

XXXX XXXXXX/XX/XXXX Issue : Inquiry from an unfamiliar institution, irrelevant. 
Law : No consent. 
Story : Impacting eligibility. 

XXXX XXXX XXXXXX/XX/XXXX Issue : No known transaction, unauthorized. 
Law : FCRA breach. 
Story : No legitimate request submitted. 
Requested Relief : I am requesting CFPB 's immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : 1. Delete the wrong addresses from my credit report.

2. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. 
3. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed. 
4. Provide evidence of proper investigation and validation from data furnishers or delete the entries. 
5. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.

Company response to consumer: Closed with non-monetary relief