Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I am submitting this formal complaint to report serious and repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C XXXX by multiple creditors, data furnishers, and credit bureaus. I have reviewed my credit report and found multiple inaccurate addresses, unauthorized hard inquiries, unverifiable collections, duplicated accounts, and charge-offs that are either false or unlawfully reported. These entries are severely damaging my financial reputation, and I am requesting your assistance in a full investigation and immediate correction. Each item is detailed below with its specific issue, applicable law, and the factual background. 
XXXX XXXX XXXX AV D XXXX, CA XXXX Wrong Address Issue : I have never lived at or been associated with this address. This is inaccurate and misleading information. 
Law : XXXX FCRA XXXX ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
Story : The presence of this address on my report may indicate a file mix-up or identity confusion. I have never lived in XXXX and have no known association to this property. This false address is harming my credit credibility and creating confusion with lenders. 
XXXX CO XXXX XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$1000.00} Late Payment * * Issue : This account is reporting a late payment without proper validation. 
Law : FDCPA XXXX requires debt collectors to provide written verification of debts before reporting. 
Story : I never received any notice or billing for this account before it reported me late. I asked for documentation and none was provided. This is damaging my report and reflects negligence or malicious data reporting. 
XXXX XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$540.00} Collection * * Issue : This is a collection account with no supporting documentation. 
Law : FDCPA XXXX and FCRA XXXX give me the right to request verification and dispute inaccurate entries. 
Story : XXXX has failed to validate this debt. They are known for buying debts and reporting without full documentation. This entry is false and is affecting my ability to secure basic necessities like housing and credit. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$4100.00} Charge Off * * Issue : This charge-off was reported without my knowledge or validation. 
Law : FCRA XXXX ( a ) prohibits reporting inaccurate or incomplete information knowingly. 
Story : I tried to contact XXXX XXXX for clarification multiple times, but they failed to respond or offer a resolution. This debt was possibly paid or restructured, but it is still being reported as a charge-off. This unjust reporting is ruining my financial reputation. 
XXXX XXXX  XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$0.00} Late Payment * * Issue : Showing late payment after account is closed and paid. 
Law : FCRA XXXX ( a ) ( XXXX ) states closed accounts must reflect accurate and complete payment history. 
Story : I completed all payments on this account. Seeing a late payment reported after closure is clearly incorrect. I reached out to dispute but was ignored. This entry is misleading and unfair. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX * | Date Opened : XX/XX/XXXX | Balance : {$690.00} Collection * * Issue : Debt was never validated or explained. 
Law : FDCPA XXXX ( a ) states a consumer must be given written notice and chance to dispute. 
Story : I never received any information about this debt before it showed up on my report. I requested validation and none was given. This agency is violating federal law and damaging my livelihood. 
XXXXXXXX XXXX XXXXXXXX XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$760.00} Charge Off * * Issue : Charged off without communication or proof. 
Law : FCRA XXXX requires that disputed data be investigated and corrected if found to be inaccurate. 
Story : I never received billing statements or notices from XXXX before this was charged off. I believe this is fraudulent or mishandled debt placement. I have been denied credit because of this entry. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$21000.00} Charge Off * * Issue : Extremely high balance reported without breakdown or validation. 
Law : FCRA XXXX ensures consumers right to dispute and reinvestigation. 
Story : This balance is beyond anything I remember owing. I suspect identity confusion or file merging. XXXX XXXX has failed to give me a breakdown of the amount. 
XXXX XXXX - XXXX XXXX  XXXX | Date Opened : XX/XX/XXXX | Balance : {$4700.00} Duplicate Charge Off Issue : Same account already reported above. 
Law : FCRA prohibits duplicate tradeline reporting under different labels. 
Story : This is the same debt as the previously listed XXXX XXXX. They are reporting it twice, possibly under XXXX slight account number variations. This is unfair, deceptive, and misleading. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$680.00} Duplicate Charge Off Issue : Duplicate entry of XXXX XXXXXXXX charge off. 
Law : FCRA XXXX mandates correction of duplicated or erroneous entries. 
Story : This is the same account mentioned earlier. XXXX XXXX is reporting it twice under XXXX different identifiers. This is falsely increasing my derogatory marks. 
NEVADA XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$1100.00} Duplicate Charge Off Issue : XXXX time same account being reported. 
Law : FCRA XXXX ( b ) requires data furnishers to ensure accuracy and avoid duplication. 
Story : XXXX Nevada is listing the same debt multiple times. This tactic multiplies the harm on my credit file and causes denials on every application. 
In conclusion, I am requesting a full investigation and correction of all the above accounts, addresses, and inquiries. These issues have caused me repeated credit denials, stress, and financial hardship. If not resolved, I will pursue legal remedies under FCRA and FDCPA.

Company response to consumer: Closed with explanation