Consumer complaint received 2025-07-29 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:
To the Consumer Financial Protection Bureau I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) against multiple data furnishers and credit reporting agencies for inaccurate, unverifiable, and harmful reporting on my consumer credit file. I have suffered severe harm including denial of credit, increased interest rates, and emotional distress due to these unlawful practices. Despite multiple attempts to dispute the items, they remain unresolved. I am requesting the CFPB to investigate these entities for their noncompliance with federal law and to assist in removing these inaccurate and damaging items. Below are the detailed issues : XXXX XXXX XXXX  XXXX, FL XXXX Issue : Wrong Address Law : FCRA 1681e ( b ) Failure to maintain accurate information Story : This address has never been associated with me in any way. I have never lived, worked, or used this address for any purpose. Reporting this address is a violation of my rights and creates suspicion of identity confusion or potential fraud. This incorrect reporting has affected my credit profile and needs to be permanently removed from all bureaus. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} * * Issue : Late Payment Law : FCRA 1681s-2 ( a ), 1681i Reporting inaccurate data & duty to reinvestigate Story : This account reported me late even though payments were made on time. I have not been provided any notice of delinquency nor documentation verifying this. This false reporting is affecting my payment history and credit score. This needs to be validated and corrected or deleted. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Late Payment Law : FCRA 1681i Failure to verify late data Story : I dispute the reported late payment. The account is closed and at XXXX balance. Reporting a delinquency on a paid account without verification is deceptive and damaging. This account should reflect accurate and positive history or be removed. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$870.00} * * Issue : Collection Law : FDCPA 809 ( b ), FCRA 1681e ( b ) Story : I never received any debt validation letter from this collection agency. Under the FDCPA, they are required to send verification within 5 days. This account has been reported without my knowledge and without validation. I dispute its accuracy and demand immediate removal. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$100.00} * * Issue : Collection Law : FDCPA 807, 809 Misleading or deceptive representation Story : I dispute this debt, and no validation was provided despite requests. This amount is unknown to me and possibly fraudulent. Continued reporting without evidence violates both FDCPA and FCRA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} * * Issue : Duplicate Collection Law : FCRA 1681s-2 Story : This is the third time the same XXXX  debt is appearing with a different format. It is causing unjustified damage to my credit report. I demand its removal. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} * * Issue : Charge Off Law : FCRA 1681i Story : I was never served notice of charge-off or delinquency. I dispute the validity and amount of this charge. It was also sold and continues to be reported inaccurately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} * * Issue : Duplicate Collection Law : FCRA 1681e ( b ) Story : This exact account has been reported twice in different formats. It's a tactic to hurt my credit and pressure me. Remove all duplicates. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charge Off Law : FCRA 1681e ( b ), 1681i Story : This debt was resolved, and the account shows XXXX balance. It should not be reporting as charged off without verification. Please update or remove. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$570.00} * * Issue : Duplicate Collection Law : FCRA 1681e ( b ), FDCPA 807 Story : Again, the same XXXX  debt appears in a new entry. This misleading reporting is unethical and unlawful. I want this removed. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} * * Issue : Charge Off Law : FCRA 1681i Story : This account does not belong to me. I have never received any communication or billing. No documentation proving my responsibility has been shown. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$240.00} * * Issue : Charge Off Law : FCRA 1681b Story : I dispute this debt. The amount is unfamiliar, and I never had an XXXX account under this number. No proof has been provided. Must be removed. 
PORTFOLIO XXXX * * Date Opened : XX/XX/XXXX Balance : {$680.00} * * Issue : Collection Law : FDCPA 809 Story : Another entry for the same Portfolio Recovery debt. Over-reporting creates false derogatory information. Remove this immediately. 
Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized Hard Inquiries Law : FCRA 1681b ( c ) Story : I never authorized these companies to perform hard inquiries on my credit. These inquiries were not initiated by me and were done without permissible purpose. They should be removed under FCRA for unauthorized access.

I am requesting the CFPB to investigate each furnisher and credit bureau for these violations. I also request deletion or correction of all incorrect, duplicate, and unverifiable accounts as per FCRA and FDCPA. I am attaching supporting documentation where possible. Please ensure my rights as a consumer are upheld.

Company response to consumer: Closed with non-monetary relief