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: VA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to report serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit reports contain multiple inaccurate, outdated, unverifiable, and misleading accounts and personal identifiers that continue to harm me financially, emotionally, and professionally. These errors persist despite my efforts to dispute and correct them. 
Address Disputes : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Issue : Wrong Address Law : FCRA 607 ( b ), 605 ( b ) Details : I have never lived at, worked at, or had any association with this address. Including it on my credit report implies a false identity or merged file. This error creates confusion for lenders and could be the result of identity theft or a mixed file, violating the duty to maintain maximum accuracy under FCRA. 
XXXX XXXX XXXX, XXXX, VA XXXX Issue : Wrong Address Law : FCRA 607 ( b ) Details : This address is unfamiliar and inaccurate. It was added without any verification or authorization from me. Continued reporting of this incorrect data damages my ability to secure housing or credit and raises suspicions about my identity during background checks. 
Account Disputes : KIKOFF CLRQAJ Date Opened : XX/XX/XXXX Balance : {$280.00} * Issue : Late Payment Law : FCRA 611, 609 ( a ) ( 1 ), 607 ( b ) Details : I made all payments on time for this account. I was never informed of any delinquency. Reporting a late payment without providing sufficient documentation violates my rights and gives an unfair impression of my payment history, affecting future approvals. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Issue : Late Payment Law : FCRA 611 ( a ), FDCPA 809 Details : This amount and the late status are inaccurate. I never received any breakdown or validation of this debt. This massive amount being reported late harms my credit significantly and creates stress regarding potential legal action. 
KIKOFF LEND BBHN * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Late Payment Law : FCRA 607 ( b ), 602 ( A ) Details : Despite showing a {$0.00} balance, this account is marked late. I paid this account in full and on time. Reporting it as delinquent when the balance is {$0.00} is unjustified and misleading, showing systemic errors in credit reporting. 
XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Late Payment Law : FCRA 611, 609 Details : This credit builder account was completed successfully. The late payment is false, and I have bank records proving timely payments. This incorrect mark affects my score and my character unfairly. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Issue : Late Payment Law : FCRA 609, Equal Credit Opportunity Act ( ECOA ) Details : This account was a credit builder tool. I completed the plan without missing payments. False late payment data prevents me from rebuilding my credit and keeps me trapped in financial setbacks. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Late Payment Law : FCRA 611 ( a ), 1681i Details : The reported late payment is not accurate. I have documentation proving my timely activity. Such misreporting restricts my ability to secure credit and has caused high anxiety. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Issue : Charge Off Law : FCRA 1681e ( b ), 607 ( b ) Details : This account was resolved, and reporting it as charged off misrepresents the facts. No notice was given. This false data results in being denied jobs and loans and reflects systemic negligence. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} * * Issue : Collection Law : FDCPA 809 ( a ), FCRA 611 Details : This account was sent to collections without notifying me or providing a validation notice. It is not my debt. Reporting it violates consumer protections and harms my financial stability. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$160.00} * * Issue : Charge Off Law : FCRA XXXX, XXXX Details : I was not given notice of this charge-off, nor was I given any opportunity to resolve it. I request original account documentation to validate the charge. Otherwise, it must be deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} * * Issue : Collection Law : FDCPA XXXX, FCRA XXXX Details : I have no knowledge of this debt and was never contacted. Reporting a collection account without prior communication and verification is a violation of my rights. 
XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charge Off Law : FCRA XXXX ( b ) Details : The balance is {$0.00}, yet it shows as a charge-off. This is contradictory and misleading. Keeping a {$0.00} balance account as derogatory is deceptive and unfair. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Late Payment Law : FCRA 607 ( b ), 611 Details : This was a credit-builder product, completed with discipline. The late payment is inaccurate. This misreporting prevents me from rebuilding after past challenges. 
REQUESTED RESOLUTION : 1. Immediate investigation and deletion of all inaccurate addresses 2. Full validation or permanent deletion of all listed accounts that can not be verified with original documentation 3. Prevention of further re-reporting of these accounts unless fully validated 4. Monitoring to ensure corrected data is shared with all three credit bureaus ( EquifaxXXXX XXXX XXXX  ) XXXX. Provide a detailed report of the investigation and action taken

Company response to consumer: Closed with non-monetary relief