Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
I am filing this formal complaint to request immediate regulatory intervention regarding multiple inaccuracies and violations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the FTC Identity Theft rules. These errors are negatively affecting my credit profile and my financial well-being. I have disputed these accounts with the credit bureaus and directly with furnishers, yet many remain unresolved or continue to be reported inaccurately. Below is a summary of the major issues : Incorrect Addresses Reported The following addresses are being inaccurately reported on my credit file. I have never resided at or been affiliated with these locations. Reporting inaccurate personal information violates FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. 

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  Student Loan Accounts Late Payments I am disputing the following XXXX accounts for inaccurately reported late payments. I was affected by XXXX forbearance and national student loan relief policies which should have prevented negative reporting. Reporting late payments under these conditions is a violation of FCRA 1681s-2 ( a ), which obligates furnishers to report accurate and complete information. 

XXXX Balance : {$4700.00} Opened : XX/XX/XXXX XXXX Balance : {$3600.00} Opened : XX/XX/XXXX XXXX Balance : {$4600.00} Opened : XX/XX/XXXX XXXX Balance : {$6200.00} Opened : XX/XX/XXXX XXXX Balance : {$6300.00} Opened : XX/XX/XXXX XXXX Balance : {$5800.00} Opened : XX/XX/XXXX XXXX Balance : {$3600.00} Opened : XX/XX/XXXX Collection and Charge-Off Accounts The following accounts are either fraudulent or contain serious reporting errors such as incorrect balances, duplicate entries, or misidentified original creditors. These accounts violate FCRA 1681b and FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ] for failing to validate debts upon request. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$160.00} Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$960.00} Charge Off XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$100.00} Charge Off Unauthorized or Excessive Hard Inquiries The following inquiries were either unauthorized or excessive and not tied to any application I initiated. Per FCRA 1681b ( c ), hard inquiries require consumer consent. Repeated inquiries without permissible purpose can lower credit scores and constitute a violation. 

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 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 XXXXXX/XX/XXXX Personal Impact These errors have caused serious emotional distress, impacted my creditworthiness, and resulted in denials for credit cards, loans, and rental applications. I have spent significant time, energy, and resources disputing this information, and the continued reporting of inaccurate and unverifiable data is causing ongoing harm. 

Requested Action I respectfully request that the CFPB : Investigate the above-referenced accounts and inquiries. 

Require the credit bureaus and furnishers to remove all inaccurate addresses. 

Remove all unverified and disputed late payments, collections, and charge-off entries that are in violation of federal law. 

Delete all unauthorized and excessive inquiries from my credit report. 

Hold the involved parties accountable for violating my rights under the FCRA and FDCPA. 

I am attaching supporting documents, including identity theft reports, dispute letters, and credit report excerpts, as evidence. 

Thank you for your time and for protecting consumer rights.

Company response to consumer: Closed with non-monetary relief