Consumer complaint received 2025-08-07 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 Representative, I am writing to formally file a complaint regarding inaccurate, unverified, and harmful information reported on my credit file by [ Insert name of Credit Bureau : Equifax XXXX XXXX  XXXX XXXX  ] and certain data furnishers. These reporting errors are causing me emotional distress, job and loan denials, and financial harm. Despite my efforts to dispute these errors, they remain unresolved and continue to damage my credit standing in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Unauthorized address Law : FCRA 609 ( a ) ( 1 ) requires full disclosure of sources Story : This address has absolutely no connection to me. Ive never visited this location, let alone lived there. Having this address tied to my name suggests file-mixing or identity confusion, which is dangerous. I recently got rejected for an apartment lease due to these errorsthey claimed I had inconsistent residential history. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong address listed Law : FCRA 611 ( a ) mandates correction of errors Story : I had to spend hours on calls and paperwork explaining that this isnt my address when a lender denied my auto loan. Ive had emotional distress and lost time correcting something that should have never been reported. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late payment Law : FCRA 607 ( b ) accuracy requirement Story : I was hospitalized during the time this payment was missed, and I communicated with the creditor about the situation. Instead of support, I was penalized and now this mark is sabotaging my credit. Ive worked hard to stay current, and this one eventduring a medical crisisis being held against me without context. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge off Law : FCRA 611 ( b ), FDCPA 809 Story : I disputed charges on this account after being charged for fraudulent purchases, but instead of investigating, they closed and charged it off. I was treated unfairly. This wasnt my fault, yet XXXX being punished. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off Law : FCRA 609 ( a ) ( 1 ) Story : I never received any communication or notice before this account was charged off. When I called the institution, they said the account no longer existed. How can I dispute something that no one even has record of anymore? 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge off Law : FCRA 605 ( b ) Story : I was unemployed during COVID and applied for hardship assistance but never heard back. Instead, they charged it off. I feel completely ignored and abandoned in a time of global crisis, and now this is haunting my credit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge off Law : FDCPA 807 ( 8 ) Story : This account was closed while in dispute. They claimed non-payment, but never responded to my mailed dispute. I even sent certified letters. Its like my rights were completely ignored. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge off Law : FCRA 611 Story : The balance they report isnt even correct. I paid part of it and never got any acknowledgement. They went ahead and charged it off. This negligence has made me lose access to emergency loans. 
XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection Law : FDCPA 809 Story : I never received a letter, email, or phone call from this agency. They reported to my credit first. Thats not just illegalits abusive. I dont even know what the debt is for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXssue : New collection without notice Law : FCRA 609 Story : This just popped up on my report recently, and I have XXXX knowledge of the account. How does something appear without my consent or signature? 
XXXX XXXX XXXX XXXX * * Issue : Invalid listing Law : FCRA XXXX Story : I spent months clearing a similar debt with another agency, then this one showed up. It feels like my credit is a game to these companies. 
XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Issue : Collection Law : FDCPA XXXX Story : I feel bullied by repeated listings from the same company with different account numbers. This is mental and financial harassment. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge off Law : FCRA 607 Story : I tried to settle this account, but no one responded. They charged it off and stopped talking to me. Now Im stuck with this XXXX mark for 7 years. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge off Law : FDCPA 809 Story : I attempted three payments that bounced back. No one corrected the errors. I was trying to make good on my debts, but the system worked against me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Unfamiliar debt Law : FCRA XXXX Story : I never owned a XXXX account XXXX I fear this is identity theft or clerical error. I demand proof or immediate removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge off Law : FDCPA 809 Story : I resolved this months ago. Why does it remain as if I never paid? This is misleading. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge off Law : FCRA XXXX Story : I completed this credit builder account and was proud. Now it looks like I defaulted. This is insulting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection Law : FCRA 607 Story : Same debt as before, listed again. How is this fair? 
XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection Law : FDCPA XXXX Story : I never agreed to this account. They never contacted me. 
XXXX XXXX on XX/XX/year> Issue : Unauthorized Law : FCRA XXXX Story : I never even heard of this company. 
XXXX Requested : Immediate removal of all inaccurate, unverifiable, or duplicate accounts and inquiries. 
Documentation from furnishers validating the reported items. 
XXXX review of the credit bureaus reinvestigation process. 
Enforcement action if violations are found. 
Impact on Me : Because of these errors, I have been denied credit, faced higher interest rates, and even lost housing opportunities. These mistakes are not only financially damaging but emotionally devastating. I have made every effort to resolve this directly with the bureaus and furnishers to no avail.

Company response to consumer: Closed with non-monetary relief