Consumer complaint received 2025-09-03 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:
To Whom It May Concern, I am submitting this complaint to formally dispute multiple inaccuracies and harmful items being reported on my credit file. These errors are negatively impacting my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

Issues Identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an inaccurate and unauthorized address being reported on my credit file. I have no verifiable association with this address. The continued reporting of incorrect personal information violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reporting late payments. I dispute the validity of these entries, as they are not supported with verifiable evidence. Under FCRA 611 ( a ), I have the right to request reinvestigation and removal of unverifiable information. 

Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collection entries are being reported without proper validation of debt. Under FDCPA 809, debt collectors must provide written verification before reporting or pursuing collections. 

Charge-Offs FST PREMIER # XXXX * * * * ( Opened : XX/XX/XXXX, Balance : {$1200.00} ) FST PREMIER # XXXX * * * * ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) CAPITAL XXXX # XXXX * * * * ( Opened : XX/XX/XXXX, Balance : {$0.00} ) FSB BLAZE XXXX XXXX * * * * ( Opened : XX/XX/XXXX, Balance : {$400.00} ) These accounts are inaccurately reported as Charge Off with XXXX or misleading balances. This is damaging, misleading, and violates FCRA 607 ( b ), as no outstanding debt exists to support the charge-off status. 

Hard Inquiries ( Unverified/Unauthorized ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) These inquiries appear on my credit file without my authorization. According to FCRA 604, a permissible purpose is required for any inquiry. These unauthorized pulls of my credit profile violate my rights and harm my credit score.

Requested Resolution : Immediate deletion of the wrong address.

Removal of all inaccurate late payment notations. 

Deletion of misleading charge-off accounts with XXXX or incorrect balances. 

Removal of unverifiable collection accounts unless full documentation is provided. 

Deletion of unauthorized and impermissible hard inquiries.

Company response to consumer: Closed with explanation