Consumer complaint received 2025-08-18 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: IL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding multiple inaccuracies on my credit report, which have caused significant financial harm, stress, and hindered my ability to access credit. Despite my efforts to ensure accurate reporting, my credit report contains numerous errors, including incorrect addresses, charge-offs, and late payments. I request that the CFPB investigate these matters thoroughly under the Fair Credit Reporting Act ( FCRA ) and ensure that the inaccuracies are corrected immediately. 
Below is a detailed account of each disputed item XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address reported. 
Law : Under FCRA 607 ( b ), a credit bureau must ensure the maximum possible accuracy of consumer information. An address that does not belong to me constitutes inaccurate information and should be removed immediately.

Story : This address does not belong to me, nor have I ever resided at this location. Reporting an incorrect address may link me to accounts, activities, or individuals that are unrelated to me, which puts me at risk for identity confusion or fraud. As per FCRA 611, any unverifiable or inaccurate data must be corrected or deleted. 

XXXX XXXXXXXX XXXX XXXX  Balance : {$740.00} | Date Opened : XX/XX/XXXX Issue : Reported as Charge Off, but balance and account details are questionable. 
Law : XXXX FCRA XXXX, you are obligated to verify the validity of this debt. If unverifiable, it must be removed. Also, pursuant to FDCPA XXXX, debt XXXX must provide validation upon request. 
XXXX : This account appears to be inaccurately reported as a charge-off. The balance, opened date, and ownership history are inconsistent. Without verifiable proof, continued reporting is unlawful and harmful to me. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$390.00} | Date Opened : XX/XX/XXXX Issue : Listed as Charge Off. 
XXXX : FCRA 609 ( a ) ( 1 ) requires disclosure of complete information regarding this account upon request, and if not verifiable, it must be deleted. 
XXXX : This account status remains questionable since there is no proof provided of default history or balance validation. Unless verified, this should be removed immediately as inaccurate. 

XXXX XXXX * High Balance : {$600.00} | Date Opened : XX/XX/XXXX Issue : Charge Off reported incorrectly. 
Law : XXXX FCRA 607 ( b ) and 611, unverifiable or inaccurate information can not continue to remain.

Story : This account has been reported inaccurately as a charge-off which can not be validated with the original creditor. Reporting unverifiable data damages my credit standing unlawfully. 

XXXX XXXX XXXX XXXX  High Balance : {$19000.00} | Date Opened : XX/XX/XXXX Issue : Charge Off with questionable reporting. 
Law : FCRA 611 and FDCPA 809 ( b ) require the furnisher and agency to verify. 
Story : Such a large balance reported as a recent charge-off without supportive verification is highly damaging. Any unverifiable information regarding this debt must be deleted permanently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} | Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
XXXX : As per FCRA 609 & 611, unverifiable negative data must be deleted.

Story : No supporting documents proving default or true ownership of this account have ever been provided. Retaining unverifiable records is unlawful and harmful. 

XXXX XXXX XXXX XXXX High Balance : {$520.00} | Opened : XX/XX/XXXX Issue : Marked with Late Payments accuracy questionable. 
Law : FCRA 611 requires strict verification of late payment history.

Story : This account lists late payments that are not accurate. Unless the creditor can provide complete records proving delinquency, these must be removed. 

XXXX XXXX XXXXXXXX XXXX XXXX ( Multiple Listings ) Balances : {$1000.00} | {$1700.00} | {$2000.00} | Dates ranging from XXXX Issue : Marked with Late Payments, duplicate entries. 
Law : FCRA 605 ( XXXX statute on reporting certain negative items ) ; duplicate reporting violates FCRA 607 ( b ).

Story : These accounts are not only reported inaccurately with multiple late payment statuses, but also appear to be duplicate records causing artificial inflation of derogatory items. Such misreporting unfairly harms me and violates credit reporting laws. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$360.00} | Opened : XX/XX/XXXX Issue : Reported as Charge Off. 
Law : XXXX FCRA XXXX and FDCPA validation requirements, debts must be fully verified. 
XXXX : This reported charge-off lacks proper validation or documentation supporting ownership. Without verification, it must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$3000.00} | Opened : XX/XX/XXXX Issue : Listed as Charge Off. 
Law : Unverified charge-off reporting is a violation of FCRA 607 ( b ). 
XXXX : The creditor has failed to provide proper legal documentation validating this charge-off. In absence of such proof, I request removal immediately. 

XXXX XXXX XXXX Issue : High Balance {$3500.00} | Date Opened : XX/XX/XXXX | Late Payments Law : FCRA XXXX ( b ) ( Maximum possible accuracy ), FCRA XXXX ( a ) ( XXXX ) ( A ) ( Right to full disclosure ), FDCPA XXXX ( XXXX ) ( Reporting invalid information is a violation ) Story : This account is over XXXX XXXX XXXX and reporting inaccurately with late payments that are unverifiable. According to the FCRA, derogatory information older than 7 years ( XXXX XXXX. XXXX ( a ) ) must not remain on a consumer report. Keeping this account active and derogatory after its expiration period is illegal and has been misrepresenting my creditworthiness. This is a direct harm to me, preventing fair access to financial opportunities. 

XXXX XXXX XXXX XXXX * * Issue : High Balance {$780.00} | Date Opened : XX/XX/XXXX | Reported as Collection Law : FDCPA XXXX ( b ) ( Validation of debts ), FCRA XXXX ( Dispute process ) Story : This collection account was never validated with proper documentation. I requested proof of the original contract and itemized statement, which was not provided. Reporting an account without furnishing proper validation is a violation. This is misleading and creates an inaccurate credit profile, which is inconsistent with federal law. 

UNAUTHORIZED & EXCESSIVE INQUIRIES Issue : Multiple inquiries reported including from XXXX, XXXX XXXX : FCRA XXXX ( Permissible purpose of consumer reports ), FCRA XXXX ( Right to know who accessed file ). 
Story : Many of these inquiries were conducted on the same date ( XX/XX/XXXX ), which strongly suggests unauthorized or impermissible access. Under FCRA XXXX, each inquiry must have a documented permissible purpose such as consumer-initiated credit application. Since I did not authorize several of these inquiries, they constitute violations and must be deleted. Excessive inquiries have also contributed to a lower credit score, blocking my access to housing and auto financing. 

Requested Action : I respectfully request that CFPB : XXXX. Investigate each inaccuracy with the credit reporting agencies and furnishers. 
XXXX. Ensure correction or deletion of all erroneous entries. 
XXXX. Provide confirmation of corrections and an updated credit report. 
These inaccuracies have caused financial hardship, undue stress, and misrepresentation of my creditworthiness. I urge immediate attention and resolution in accordance with FCRA regulations.

Company response to consumer: Closed with non-monetary relief