Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against multiple credit furnishers and consumer reporting agencies ( XXXX, Equifax, and XXXX ) for the continued reporting of inaccurate, unverifiable, and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve these matters directly, the following issues remain unresolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS Issue : This address does not belong to me and I have never lived there. 
Law : FCRA 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy. 
Story : I have never rented, owned, or been associated with this property. Its presence on my report suggests a file mix-up or data merger error. This is deeply concerning and violates my right to accurate credit information. 
Requested Action : Immediate deletion of this address from all credit files. 
XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS Issue : Completely unassociated address. 
Law : FCRA 1681c mandates accurate reporting. 
Story : I was shocked to see this address on my report as I have no links to it whatsoever. This is harming my credibility and possibly the result of identity confusion or data errors. 
Requested Action : Remove this address immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX WRONG ADDRESS Issue : Unknown and unverified residence. 
Law : FCRA 1681e ( b ) for accuracy Story : This Illinois address has no relevance to me. Ive never lived outside my state and have no personal, professional, or financial ties to this location. Keeping this address on my file suggests negligence. 
Requested Action : Delete this entry right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX WRONG ADDRESS Issue : Incorrect address on report Law : FCRA 1681i - reinvestigation required Story : This Michigan address reflects a serious misattribution. If left unresolved, it could lead to further account confusion and fraud risk. 
Requested Action : Permanently delete from my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX WRONG ADDRESS Issue : Never associated with me Law : FCRA 1681e ( b ) Story : Ive never lived in XXXX, XXXX  or anywhere nearby. This is clearly a result of merged files, which can significantly damage my creditworthiness. 
Requested Action : Immediate removal is necessary. 
XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$67000.00} ) LATE PAYMENT Issue : Reported late payment is inaccurate Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishers must report accurate info Story : I was granted a temporary deferment due to financial hardship and was told no negative information would be reported during that period. Still, a late payment was reported, violating the agreed-upon terms and the CARES Act. 
Requested Action : Remove the late payment record. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, {$6200.00} ) LATE PAYMENT Issue : Inaccurate late payment Law : FCRA 1681e ( b ) + Equal Credit Opportunity Act ( ECOA ) Story : I experienced sudden job loss and illness during this period. I contacted the creditor and requested a grace period, which was acknowledged verbally but later ignored in reporting. This shows a lack of reasonable accommodation and hurts my credit score. 
Requested Action : Remove this late payment. 
XXXX  XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$4700.00} ) COLLECTION Issue : Unverified and unvalidated debt Law : FDCPA 809 ( b ) + FCRA 1681s-2 ( b ) Story : I have never received a debt validation letter for this account. No written correspondence or collection attempt was made directly to me, and I believe this may not even be my debt. 
Requested Action : Delete this collection account. 
XXXXXXXX XXXX XXXXXXXX XXXX ( Opened XX/XX/XXXX, {$5700.00} ) COLLECTION Issue : No prior notice received Law : FDCPA 809 ( a ) validation notice requirement Story : I had submitted disputes directly to the creditor. Without notice or resolution, this was transferred to a collector and placed on my report. This is improper procedure. 
Requested Action : Remove this collection record. 
XXXX XXXX ( Opened XX/XX/XXXX, {$4800.00} ) CHARGE OFF Issue : Dispute was unresolved, no notice given Law : FCRA 1681s-2 ( b ) Story : I had agreed to a settlement which was ignored. My payment was accepted but the account was still charged off. This is deceptive and harmful. 
Requested Action : Remove charge-off entry. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$3800.00} ) CHARGE OFF Issue : Fraudulent account Law : FCRA 605B identity theft protection Story : I never opened this account. I believe I am a victim of identity theft. I request full documentation and investigation. 
Requested Action : Delete due to fraud. 
XXXX XXXX XXXX  XXXX ( Opened XX/XX/XXXX, {$5900.00} ) CHARGE OFF Issue : Misleading terms led to default Law : FCRA 1681e ( b ) Story : I was told that I was in good standing. Then, without notice, my account was closed and charged off. This is unfair treatment and possibly a violation of agreement terms. 
Requested Action : Delete this record. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, {$37000.00} ) CHARGE OFF Issue : Duplicate entry Law : FCRA 1681s-2 ( a ) ( 2 ) Story : This is the same account as above, reported twice. Duplicate entries unfairly damage my credit score. 
Requested Action : Delete duplicate. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$13000.00} ) COLLECTION Issue : No notice, no communication Law : FDCPA 809 Story : I was not notified of this collection and never received a validation letter. I dispute this entry entirely. 
Requested Action : Remove this from my credit report. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$5400.00} ) CHARGE OFF Issue : Charge-off despite active payments Law : FCRA 1681s-2 ( b ) Story : I had a payment arrangement in place. XXXX XXXX ignored this and charged off the account. This is unjust and contrary to their verbal agreement. 
Requested Action : Remove charge-off. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$3400.00} ) CHARGE OFF Issue : Reported charge-off prematurely Law : FCRA 1681e ( b ) Story : I missed one payment and was trying to catch up. They marked it as charge-off without giving me the chance to settle or negotiate. 
Requested Action : Remove. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$6200.00} ) CHARGE OFF Issue : Was in hardship plan Law : CARES Act + FCRA 1681s-2 Story : I was enrolled in a COVID hardship program. Still, they charged off my account in violation of the agreement. 
Requested Action : Remove charge-off. 
XXXXXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) CHARGE OFF Issue : Unfamiliar account Law : FCRA 605B Story : This may be identity theft or an internal system error. I do not recognize this debt. 
Requested Action : Remove. 
Personal and Financial Impact These errors have caused significant harm to me including credit denials, higher interest rates, and emotional distress. I have missed out on housing opportunities and experienced embarrassment during credit checks. My identity may also have been compromised due to mixed files or unauthorized access. 
Requested Relief I respectfully request the CFPB investigate these violations and require the responsible entities to : 1. Permanently delete all wrong addresses from my credit reports 2. Remove all inaccurate, unverifiable, fraudulent, and duplicate accounts 3. Delete all unauthorized credit inquiries 4. Provide me with documentation of the results of all reinvestigations 5. Enforce compliance with FCRA and FDCPA regulations I have attempted to resolve these issues directly and was either ignored or provided with vague responses. I am now turning to the CFPB for assistance to ensure that my legal rights are protected.

Company response to consumer: Closed with non-monetary relief