Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccurate and unauthorized items being reported and maintained in my credit file. These inaccuracies are causing significant damage to my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I am requesting a full investigation, deletion of inaccurate information, and confirmation of corrective action from all responsible parties. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX These addresses are not mine and were never associated with any valid account under my authorization. Reporting of false address information violates FCRA Section 607 ( B ), which requires accuracy and completeness of consumer data. These must be deleted immediately as their continued reporting creates confusion and associates me with locations I have never lived at or used. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * This account is being falsely reported as a charge off despite showing a XXXX balance, which indicates that no debt is owed. Reporting an account as charged off with no balance creates a false and misleading impression in violation of FCRA Section 607 ( B ) and FDCPA 807 ( 2 ) ( A ), as it misrepresents the character and status of the debt. This account must be deleted or corrected as it can not simultaneously be closed, charged off, and show zero owed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$83.00} Late Payment * * This account is inaccurately reflecting late payments that were never verified through any valid documentation. Under FCRA Section 611 ( A ), the bureau must obtain proof of any alleged delinquency directly from the furnisher before re-reporting it. Failure to validate or provide verifiable proof from the original creditor makes continued reporting unlawful. The account should be corrected or deleted immediately to comply with FCRA 623 ( B ). 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * This account is being reported as a charge off, yet it shows a XXXX balance and no current debt obligation. Reporting such contradictory information violates FCRA 607 ( B ) because it reflects inaccurate financial data. The furnisher has not validated this account nor provided any original contract or payment history. Continued reporting without documentation constitutes a violation of FCRA 623 ( A ) ( 1 ) ( A ).

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charge Off * * This account is falsely being reported as a charge off by a debt buyer who is not the original creditor. Under FCRA 623 ( A ) ( 3 ) and FDCPA 807 ( 8 ), a debt buyer can not legally report or verify a charge-off status without full documentation and assignment records from the original creditor. Failure to provide original evidence of ownership and charge-off terms renders this account unverifiable and must be deleted from my credit file. 

These violations show negligence and disregard for compliance with federal credit reporting laws. The Fair Credit Reporting Act was designed to ensure the accuracy, fairness, and privacy of information in the credit reporting system, and these entries clearly undermine those principles. I am requesting that the CFPB investigate each of these violations and compel the relevant data furnishers and credit bureaus to remove or correct the inaccurate, incomplete, or unauthorized information immediately. The harm caused by these reporting errors includes loss of credit opportunities and emotional distress due to false representation of my financial history.

Company response to consumer: Closed with non-monetary relief