Consumer complaint received 2025-07-25 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 writing to formally file a complaint against the credit reporting agencies and the listed creditors regarding multiple inaccurate, unverified, and misleading entries appearing on my credit report. These erroneous entries have severely damaged my creditworthiness, misrepresented my payment history, and violated my rights under the Fair Credit Reporting Act ( FCRA ).

Below is a detailed account of the issues I dispute. I request a thorough investigation and prompt correction or deletion of these inaccurate items. 
Address Disputes XXXX XXXX XXXX  XXXX, FL XXXX Wrong Address Issue : This address does not belong to me and its inclusion on my credit report is false and misleading. The reporting of an incorrect address is a violation of FCRA 609 ( a ) ( 1 ), which mandates accurate personal identifying information. The presence of this wrong address damages my credibility and could cause wrongful association with fraudulent or mistaken activity. This false information increases the risk of identity theft and misdirects creditors, unfairly harming my credit standing. I demand immediate correction or removal of this erroneous address to restore the accuracy of my credit file. 
Account Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$460.00} Late Payment Issue : Late Payment Law : Under the Fair Credit Reporting Act ( FCRA ) 1681i, all disputed information must be verified by the creditor. Reporting unverified or inaccurate late payments violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting.

Story : This late payment entry is factually incorrect and does not reflect my true payment history. I have maintained consistent, on-time payments for this account as evidenced by my records. Reporting a false late payment severely harms my credit score and misleads potential lenders about my reliability. It creates an unwarranted negative impact on my ability to secure loans, credit cards, or favorable interest rates. Moreover, failure to validate such negative information before reporting is a direct violation of federal law, potentially exposing the reporting entity to legal penalties. I insist on immediate removal of this false late payment unless credible proof of delinquency is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$430.00} Late Payment Issue : Late Payment Law : Per FCRA 1681e ( b ), credit reporting agencies must ensure that all reported data is complete, accurate, and up to date. Incorrect late payments violate these provisions.

Story : The late payment entry on this account is unsupported and inaccurate. I have never received notification of missed or late payments, nor do my financial records show any such delinquencies. The presence of this erroneous information severely prejudices my creditworthiness and creates unwarranted obstacles in obtaining credit or housing. This inaccurate reporting is detrimental, misleading lenders, and in direct violation of my rights under FCRA. I demand an immediate and thorough reinvestigation, and deletion of this false late payment if it can not be substantiated. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$640.00} Charge Off Issue : Charge Off Law : FCRA 1681e ( b ) mandates accurate credit reporting, including correct reporting of charge-offs.

Story : The charge off reported here is outdated and inaccurate. This account was previously settled, and continuing to report it as a charge off misrepresents my credit history. Such misinformation unjustly lowers my credit score and misleads lenders about my financial responsibility. It also exposes me to increased interest rates and credit denials. Reporting an inaccurate charge off constitutes a violation of the FCRAs requirement for maximum accuracy, and I demand immediate correction or removal of this false information. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$5000.00} Charge Off ( Possible Duplicate ) Issue : Charge Off ( Duplicate ) Law : The FCRA 1681c prohibits duplicate negative information reporting as it can unfairly harm the consumer.

Story : This appears to be a duplicate charge off entry which inflates the negative impact on my credit report unjustly. Duplicate reporting is misleading, violates federal law, and unfairly prejudices my credit profile. It creates confusion among lenders and increases my risk of credit denial or unfavorable terms. I request that duplicate entries be removed immediately to restore accuracy and fairness to my credit history. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$650.00} Charge Off Issue : Charge Off Law : FCRA 1681e ( b ) and 1681i require that charge offs are accurate and verified before reporting.

Story : This charge off is reported inaccurately and without adequate verification. Such false reporting unfairly harms my credit score and creditworthiness. It can lead to unjust denial of credit and other financial services. I dispute this charge off and demand immediate removal unless valid proof is supplied. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$460.00} Charge Off Issue : Charge Off Law : Under FCRA 1681e ( b ), credit reporting agencies must report only accurate and complete information.

Story : The charge off reported is not accurate or verified. It unfairly misrepresents my credit profile and damages my ability to obtain fair credit. I require this charge off be thoroughly reinvestigated and removed unless it can be verified with valid documentation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$180.00} Late Payment Issue : Late Payment Law : FCRA 1681i gives consumers the right to dispute inaccurate information and demand reinvestigation.

Story : The reported late payment is factually incorrect and does not align with my payment history. It unjustly lowers my credit score and creates a misleading negative impression for creditors. This misinformation violates federal laws requiring accuracy in credit reporting. I demand its immediate deletion or correction. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$110.00} Late Payment Issue : Late Payment Law : FCRA 1681i requires verification of disputed information.

Story : This late payment is falsely reported and does not correspond with my actual payment record. It unfairly harms my credit reputation and should be removed immediately if verification can not be provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$310.00} Charge Off Issue : Charge Off Law : FCRA 1681e ( b ) and 1681i require maximum possible accuracy and verification of disputed data.

Story : This charge off is inaccurately reported and has not been verified. Its presence unfairly damages my credit and limits my financial opportunities. I dispute this reporting and demand correction or deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$3700.00} Charge Off Issue : Charge Off Law : FCRA requires only accurate, verified charge offs to be reported.

Story : This charge off is false or unverifiable. Reporting such misinformation harms my creditworthiness and violates federal consumer protection laws. I demand its immediate removal. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1400.00} Charge Off Issue : Charge Off Law : FCRA 1681i requires deletion of unverifiable negative data.

Story : This charge off is inaccurately reported, damaging my credit without factual basis. I demand prompt removal unless proof is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$830.00} Collection Issue : Collection Law : FCRA 1681i requires validation of collections.

Story : This collection is reported without verification, unjustly harming my credit. I dispute this entry. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2600.00} Charge Off Issue : Charge Off Law : FCRA mandates verified information. 
Story : This charge off is unverified and inaccurately reported. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$260.00} Charge Off Issue : Charge Off ( Duplicate/False ) Law : FCRA prohibits false reporting. 
Story : Duplicate or false charge off entry damaging credit unfairly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$680.00} Charge Off Issue : Charge Off Law : FCRA requires maximum accuracy. 
Story : Inaccurate charge off entry unfairly damages my credit. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$670.00} Charge Off Issue : Charge Off Law : FCRA requires verification of disputed information. 
Story : This charge off is unverified and inaccurately reported. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$920.00} Charge Off Issue : Charge Off ( Duplicate ) Law : FCRA prohibits duplicate reporting. 
Story : Duplicate charge off entry unfairly impacts my credit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$640.00} Charge Off Issue : Charge Off ( Duplicate/False ) Law : Duplicate or false reporting violates FCRA. 
Story : Additional duplicate entry that unfairly harms my credit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Charge Off Issue : Charge Off Law : FCRA requires maximum possible accuracy. 
Story : Incorrect charge off entry unfairly harms my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$850.00} Charge Off Issue : Charge Off Law : FCRA requires truthful, accurate reporting. 
Story : False charge off entry unfairly damages my credit. 

I request the CFPB to ensure that the credit reporting agencies and creditors involved conduct a thorough investigation of these disputed items, verify their accuracy and validity, and remove or correct all unverifiable, duplicate, and false information promptly. Failure to correct these violations negatively impacts my ability to obtain credit, housing, and fair financial treatment. 
Please keep me informed of any actions taken regarding this complaint. I appreciate your assistance in protecting my consumer rights.

Company response to consumer: Closed with non-monetary relief