Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
Dear CFPB, I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Billing Act ( FCBA ). My consumer rights have been violated by the following credit bureaus, data furnishers, and creditors, who have reported inaccurate, unverifiable, and unfair information on my credit report. These actions have caused severe harm to my financial reputation, access to credit, and emotional well-being. I demand that CFPB investigate and enforce compliance with federal consumer protection laws. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I have never lived at this property, nor do I have family, friends, or financial connections tied to it. This address being reported suggests residency that is completely false. Because of this inaccuracy, lenders may assume I have multiple residences or potential undisclosed obligations, which negatively affects lending decisions. This wrong address increases my exposure to identity theft and makes me appear financially unstable, which is materially damaging XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Wrong Address This is an out-of-state address where I have never lived, worked, or visited for any length of time. The presence of this XXXX  address in my file creates a false narrative that I relocated or have connections in another state. This could lead to lenders or employers suspecting instability or even fraud. Wrong addresses in credit reports are serious violations because they misrepresent my identity, which is a direct breach of the FCRAs accuracy requirement XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX High Credit {$550.00} Charge Off This charge-off is inaccurate and extremely damaging. The balance, history, and status being reported are inconsistent with my actual records. XXXX XXXX  has not provided proper validation to confirm this charge-off. Because of this, my credit score has dropped significantly, making it impossible for me to qualify for decent housing, reasonable credit cards, or loans. The FDCPA and FCRA require all negative items to be verified with complete evidence, and if not, they must be deleted. The ongoing presence of this unverifiable charge-off is unlawful and harmful XXXXXXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX High Credit {$370.00} Charge Off This charge-off reporting is inaccurate, incomplete, and unverifiable. I do not believe the account history being shown is correct. The reporting damages me in multiple ways, including job applications where employers review my credit, loan denials, and higher insurance premiums. Under FCRA 609 and 611, I have the right to demand proof. Since this has not been properly validated, the account should be deleted in full. Keeping this on my file is reckless and unfair XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$550.00} Charge Off XXXX XXXX is marketed as a credit-builder program, not a credit-destroyer. Yet, instead of helping me, they are reporting a charge-off that is harming my entire credit file. This is misleading because consumers trust XXXX XXXX to improve their credit. Reporting this negative item not only damages me but also violates the trust consumers place in their services. The charge-off is not properly validated, and it misrepresents my history. Under the FCRA and FDCPA, unverifiable and misleading reporting must be deleted immediately XXXX  XXXX XXXX Open Date XX/XX/XXXX High Credit {$500.00} Charge Off This account is reported as a charge-off but it is not being presented accurately. The balance, payment history, and timeline are incomplete and inconsistent. XXXX XXXX has a history of reporting errors, and in my case, this negative account is dragging my credit score down unfairly. I have been denied housing, credit cards, and even small personal loans because of this error. The FCRA 623 requires furnishers to correct errors after a consumer dispute, yet no correction has been made. Therefore, this account must be deleted immediately as it continues to cause severe harm XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off This account is reported as a charge-off even though the high credit is listed as {$0.00}, which makes no logical sense. A charge-off with XXXX balance is inconsistent and unverifiable. This inaccurate reporting damages my score without any factual basis. Under FCRA 607 ( b ) the bureaus must ensure accuracy, and under 609 I have the right to demand proof. Since no validation exists, this account must be deleted XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$470.00} Charge Off This charge-off is being reported with inconsistent and incomplete data. The balance and dates do not match what I actually had, and the reporting creates a false negative mark on my credit history. Because of this, I have faced loan denials and higher interest rates. Without strict validation, this reporting is unlawful and must be removed in compliance with FCRA 623 and FDCPA requirements XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off This account shows a high credit of {$0.00} yet it is being reported as a charge-off. That contradiction shows it is not accurate or verifiable. This damages me by creating a false impression that I defaulted on an account where there was no valid balance. This type of harmful misreporting is a violation of consumer protection laws and must be deleted immediately XXXX XXXX Open Date XX/XX/XXXX High Credit {$750.00} Charge Off This charge-off account is being reported in a way that is inconsistent with my records. I dispute the accuracy of the balance, the charge-off date, and the overall status. This negative reporting has lowered my score and caused denials for housing and employment. Under FCRA 611, I am entitled to a proper reinvestigation. If the furnisher can not provide complete validation, this account must be removed XXXX XXXX Open Date XX/XX/XXXX High Credit {$350.00} Late Payment This account is showing late payments that I dispute as inaccurate. The reporting is inconsistent and not properly documented. These lates unfairly damage my file and create the false impression that I am financially irresponsible. In reality, these reports are unverifiable and misleading. Under FCRA 623, furnishers must correct errors once disputed. Since no correction has been made, I demand full deletion of this negative item XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account is being reported with late payments even though the high credit is listed as {$0.00}. This is contradictory and makes no logical sense. Reporting such inaccurate data violates FCRA 607 ( b ) and misrepresents my payment history. This has already cost me opportunities for credit approval. Since no factual evidence supports these lates, this account must be deleted immediately XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account shows late payments even though the high credit is listed as {$0.00}. This is inaccurate, misleading, and contradictory. Such reporting unfairly damages my credit reputation and gives the impression that I failed to pay obligations that did not even exist. This violates FCRA 623, which requires furnishers to ensure accurate and complete data. Unless fully validated, this account must be deleted XXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$1200.00} Collection This collection account is inaccurate and unverifiable. I have not received proper documentation proving that I owe this balance. Under the FDCPA 809, I have the right to request validation, yet none has been provided. Reporting this alleged debt without proper proof is unlawful and damaging. This negative account must be deleted immediately from my file if the furnisher can not show strict evidence XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$780.00} Collection This account is listed as a collection, yet the details are inconsistent and unverifiable. XXXX XXXX often reports multiple variations of the same debt, causing double or triple damage to consumer files. This practice creates unfair harm and violates FCRA 607 ( b ). Unless strict and complete validation is provided, this account must be deleted from my report XXXX XXXX XXXX Open Date XX/XX/XXXX Unpaid Balance {$720.00} Collection This is another variation of XXXX XXXX  reporting on my file. I dispute the accuracy of this balance and account status. It appears to be a duplicate or re-aged debt, which is illegal under the FCRA and FDCPA. Re-aging or duplicating debts is a known abusive practice by certain collectors. This false entry is harming me financially and must be deleted immediately XXXX XXXX  XXXX Open Date XX/XX/XXXX Unpaid Balance {$450.00} Collection This account is also being reported by XXXX XXXX  and appears to be another duplicate variation. Multiple entries from the same furnisher on the same consumer file are highly misleading and damaging. This gives the false impression that I have numerous unpaid debts when in reality these are unverifiable and possibly the same account re-aged. This violates both FCRA accuracy standards and FDCPA protections. Unless complete documentation is provided, this account must be deleted XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX Unpaid Balance {$330.00} Collection This collection account is being reported without proper validation. I have not received any notice, proof of original creditor, or detailed account history to support this alleged balance. Under FDCPA 809, I have the right to request validation, yet none has been provided. Reporting unverifiable debt violates FCRA accuracy standards. This account must be deleted unless strict documentation is produced XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$200.00} Collection This collection account is also inaccurate and unverifiable. I have never received validation or original account records for this alleged debt. Reporting such an account damages my reputation, lowers my score, and causes unnecessary denials for credit. Since the furnisher can not show legal proof, this account must be deleted in compliance with FCRA and FDCPA protections XXXX Inquiry XX/XX/XXXX I dispute this inquiry because I never authorized it. Hard inquiries without consumer consent are illegal and harmful. This entry negatively affects my credit profile and must be deleted immediately XXXX XXXX XX/XX/XXXX I dispute this inquiry. I did not apply for any account with XXXX on this date. This is impermissible and harmful to my report. Removal is required under FCRA standards XXXX XXXX XX/XX/XXXX This inquiry is also unauthorized and inaccurate. I never gave consent for this pull, and I dispute its presence on my report. It damages my reputation and must be removed immediately Conclusion : The above accounts, collections, and inquiries are inaccurate, unverifiable, and unlawful. They violate my rights under the FCRA, FDCPA, and FCBA. These errors have damaged my creditworthiness, denied me fair access to financial opportunities, and created undue hardship. I am requesting that the CFPB immediately investigate these violations, order the removal of these inaccurate items, and hold the responsible furnishers and bureaus accountable for their negligence and misconduct.

Company response to consumer: Closed with non-monetary relief