Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau I am submitting this complaint due to multiple serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal laws by credit reporting agencies and furnishers who have reported inaccurate, outdated, and unverifiable information on my credit report these errors have severely harmed my financial stability and creditworthiness despite my efforts to resolve them the following is a detailed list of all disputed items with explanation and relevant law references XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is completely inaccurate and has never been associated with me in any capacity.

Law : FCRA Section 602 ( a ), 607 ( b ), and 609 ( c ) ( 2 ) Credit reports must contain only verifiable and accurate data.

Story : I have never resided at or been linked to this address. I suspect this may be a result of identity confusion or misfiled data from a third party. The inclusion of this address on my credit report is causing confusion and may cause lenders to deny my applications based on false information. I have submitted utility bills, lease agreements, and government-issued identification proving my actual address. I respectfully demand immediate removal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : False address reported without consent Law : FCRA Section 611 ( a ) ( 1 ) ( A ) Consumers have the right to dispute and correct errors Story : I have never been to this residence, nor used it in any documentation. This mistake may be hurting my financial reputation, especially in mortgage or auto loan applications. I respectfully request a full reinvestigation and deletion of this data immediately, as it is harming my credit profile unjustly XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Late payment being reported inaccurately Law : FCRA Section 623 ( a ) ( 1 ) ( A ), 1681s-2 Furnishers must not report inaccurate or incomplete data Story : I enrolled in a self-credit builder account and ensured regular payments. I was informed my payments were on time. However, a late mark appeared which I was not notified of. This severely impacted my credit score during a period where I was actively seeking housing. I contacted the creditor but was met with vague responses. I request this be verified with full payment history and if unverified, it must be removed from my file XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX Issue : Charge-off reported but account was disputed and partially paid Law : FCRA Section 623 ( b ), FDCPA 807 ( 8 ) Debt collectors and furnishers can not misreport disputed debts Story : I had a dispute with this account due to unexpected fees and aggressive terms. I attempted to settle the account, and partial payment was made. However, they went ahead and charged off the full balance. This was done during a time of financial hardship when I had contacted them seeking accommodation. This reporting is unfair, misleading, and damaging to my credit score. I request this be removed or corrected with proof of resolution XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Issue : Charge-off remains even though balance is XXXX Law : FCRA 1681i ( a ) ( 5 ), 623 ( a ) ( 2 ) Inaccurate and outdated information must be corrected or removed Story : I voluntarily surrendered the vehicle during a difficult financial period and cleared the balance through a settlement. Yet, the account continues to report as charged-off, which misrepresents the current status. This is misleading and severely affects my creditworthiness. I demand correction or removal of this derogatory entry immediately XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX Issue : Charge-off after voluntary surrender, no updated status Law : FCRA 623 ( a ) ( 1 ), 1681s-2 ( b ) Information must be complete and accurate Story : This account was settled after a voluntary surrender. I was transparent with the lender and returned the vehicle during COVID-related hardship. The lender failed to update the account accurately and is still showing the original charge-off. This gives the false impression that the debt is unresolved. I request the charge-off be removed or at least marked as " Settled in Full '' XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Issue : Charge-off still showing after XXXX balance Law : FCRA 1681c ( a ) ( 5 ), 623 ( a ) ( 2 ) ( A ) Data must be updated when it changes Story : This account has had a zero balance for years. Continuing to list it as a charge-off is deceptive and unfair. It reflects negatively on my credit profile even though the debt has been settled. I request immediate correction or removal of this derogatory information XXXX  Inquiry on XX/XX/XXXX Issue : Unrecognized hard pull Law : FCRA 604, 615 Permissible purpose must exist Story : I never applied for credit from this institution. No signed authorization exists, and I suspect this may be a result of pre-screening or misused data. This inquiry was not authorized by me and must be removed from my file I have suffered significant financial distress due to these errors including being denied housing and loans and experiencing emotional and psychological pressure from poor credit reporting I am requesting that the CFPB investigate each of these items and direct the credit bureaus and furnishers to correct or delete all inaccurate unverified or unauthorized data listed above I am also requesting that all supporting documents from each furnisher and bureau involved in these accounts inquiries and addresses be reviewed and provided to me as per my rights under the FCRA please ensure a full response within the 30-day investigation window as legally required thank you for your assistance in correcting these ongoing injustices

Company response to consumer: Closed with non-monetary relief