Consumer complaint received 2025-09-18 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:
I am filing this complaint because my credit report is being reported with multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These errors have caused me financial harm, emotional distress, and unfair denial of credit opportunities. I demand a full investigation into these matters and immediate correction and deletion of inaccurate items. 
XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address This address has never belonged to me nor have I ever resided at this location. Reporting this incorrect address is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) which requires consumer reporting agencies to maintain maximum possible accuracy. Keeping this false address creates confusion, misidentification, and risk of mixed files with another consumer. This wrong address has already caused serious problems for me because lenders and background checks link me to a location where I never lived, which makes me look dishonest when applying for credit, housing, or employment. It is humiliating and unfair for me to be treated as if I am connected to places I have never stayed at. 
XXXX XXXX  BANK Account No. XXXX Open Date XX/XX/XXXX High Balance {$690.00} Late Payment This account is being reported with late payments that are not correct. I have disputed this account before, yet the furnisher and bureau continue to report inaccurate information. Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher shall not furnish information if they know or have reasonable cause to believe the information is inaccurate. Additionally, FCRA Section 611 requires proper reinvestigation, which was not done in my case. This ongoing misreporting is damaging my creditworthiness and must be corrected immediately. Because of this false late payment, I have been denied access to affordable credit, my credit card limits were lowered, and I had to pay higher interest rates on loans. It has created financial hardship and made it difficult for me to provide stability for my family. 
XXXX XXXX Account XXXX. XXXX Open Date XX/XX/XXXX High Balance {$520.00} Late Payment This account is reporting late payments that are not accurate. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers are not allowed to report information if they know or should know it is inaccurate. I have already disputed this account, but the bureaus have failed to properly investigate under FCRA Section 611. Because of this false reporting, I have suffered higher interest rates, been denied fair credit opportunities, and endured unnecessary stress trying to prove my payment history. This false negative mark unfairly damages my financial reputation. 
XXXXXXXX XXXX XXXXXXXX Account No. XXXX Date Opened XX/XX/XXXX High Balance {$12000.00} Collection This account is being reported as a collection in violation of accurate credit reporting rules. Federal student loans are subject to strict reporting standards, and misreporting them as a collection is misleading and harmful. Under FCRA Section 607 ( b ), credit reporting agencies must ensure accuracy, and FDCPA Section 807 prohibits false or misleading representations of debt. Because of this false collection, I have been denied refinancing, credit cards, and housing applications. This has caused me emotional and financial harm. 
XXXX XXXX XXXXXXXX Account No. XXXX Date Opened XX/XX/XXXX High Balance {$9200.00} Collection This is another duplicate account entry of the same debt, being reported separately as a collection, which inflates my debt burden and damages my credit score twice. This is misleading, unlawful, and violates FCRA Section 607 ( b ). Duplicate reporting makes it appear that I am more delinquent than I really am, which has caused lenders to deny me fair opportunities. This duplication is unfair and has created unnecessary financial stress. 
XXXX XXXXXXXX Account XXXX. XXXX Date Opened XX/XX/XXXX High Balance {$3300.00} Collection This account is reported inaccurately. XXXX XXXX XXXX is a debt collector and under FDCPA Section 807 ( 8 ), it is illegal for a debt collector to report credit information known to be false. Additionally, the account has not been properly validated as required by FDCPA Section 809. This reporting is damaging my financial profile, lowering my score, and causing me to be treated as a high-risk borrower, which is unfair. 
XXXX XXXX Account XXXX. XXXX Date Opened XX/XX/XXXX High Balance {$2300.00} Collection XXXX Funding is a third-party debt buyer, and this account is being reported inaccurately. XXXX has a history of misreporting and failing to provide proper validation of debts. Reporting this collection without sufficient proof is a violation of FDCPA Section 807 and FCRA Section 623. This false entry makes me appear irresponsible and has directly caused denial of loans and emotional distress. 
These inaccurate late payments, collections, duplicate accounts, and unauthorized inquiries are violations of my rights under FCRA Sections 602, 607, 609, 611, 623 and FDCPA Section 807. Because of these violations, I have been denied credit, charged higher interest, and endured emotional distress. I request CFPB to investigate, enforce deletion, and ensure compliance with the law.

Company response to consumer: Closed with explanation