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: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to my consumer credit file. I am a victim of false address reporting, unauthorized hard inquiries, and inaccurate account reporting by furnishers and credit bureaus. These actions have severely damaged my credit standing and caused significant hardship in my personal and financial life. 
I have never authorized many of the items currently appearing on my credit reports, and despite my prior efforts to resolve these issues, they remain unresolved. This letter supplements a prior complaint that is still under review by the CFPB. 
Below are the details of each disputed item : XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$10000.00} | Status : Late Payment Issue : Late payments are being reported without providing any proof of delinquency or payment history breakdown. No original signed contract or ledger has been made available. 
Law : FCRA 609 ( a ) ( 1 ), 611 ( a ), 607 ( b ) ; 15 U.S.C. 1681e ( b ) Story : I never received a monthly breakdown or legal documentation proving these late payments are accurate. Any account reporting derogatory information must be fully verifiable. Without the original agreement and complete transaction history, this tradeline can not meet the standard of full accuracy and must be removed. Reporting negative information without proper documentation is not only unfair but also unlawful. 
XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$9900.00} | Status : Collection Issue : This is a third-party collection account that has never been validated. No signed agreement or proof of debt ownership has been provided. 
Law : FCRA 609 ( a ) ( 1 ), 611 ( a ) ; FDCPA 809 ( b ) ; 15 U.S.C. 1681e ( b ) Story : XXXX XXXX is reporting this collection account without showing any legal documentation proving I owe this debt. There is no signed contract, no billing history, and no assignment of debt from XXXX XXXX. Under federal law, a debt buyer must validate the debt before reporting it. Since that has not occurred, this item is unverifiable and must be deleted from my report immediately. 
XXXX. XXXX XXXX ( Original Creditor : XXXX  XXXX ) Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$5500.00} | Status : Collection Issue : This is a duplicate of a charge-off also reported by XXXX  XXXX ( XXXX ), which constitutes double reporting and inflates my debt profile. 
Law : FCRA 604 ( b ), 607 ( b ) ; 15 U.S.C. 1681e ( b ) Story : This account is being reported by both XXXX XXXX ( a debt buyer ) and XXXX XXXX ( the original creditor ) as separate tradelines for the same debt. This is misleading, creates a false impression of multiple debts, and is a direct violation of FCRA 's accuracy requirement. No validation has been provided, and this duplicate collection must be removed to avoid misleading future creditors and violating my rights. 
XXXX. XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$30000.00} | Status : Charge-Off Issue : This charge-off account shows an inflated balance and has not been validated with a full payment history or signed contract. 
Law : FCRA 607 ( b ), 611 ( a ) ; 15 U.S.C. 1681i ( a ) ; XXXX XXXX XXXX Guidelines Story : I do not recognize the legitimacy of this account as it is currently reported. XXXX has failed to respond to any prior dispute or provide documentation showing the accurate status of this account. The balance is outdated, and no transaction details have been given. Under FCRA and XXXX XXXX compliance, this tradeline must be either updated with complete documentation or removed altogether. 
XXXX. XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$42000.00} | Status : Charge-Off Issue : This account has remained stagnant, unverifiable, and has no proof of liability provided by the furnisher. 
Law : FCRA 609 ( a ) ( 1 ), 611 ( a ) ; 15 U.S.C. 1681e ( b ) Story : This is a high-balance account reporting as a charge-off without any evidence of accuracy. No original agreement, billing statements, or payment history has been shared, which is required to justify such negative reporting. If the account can not be fully validated with source documentation, it must be removed under FCRA. 
RELIEF REQUESTED I respectfully request the CFPB to : XXXX. Investigate the unauthorized credit inquiries and require the furnishers to prove permissible purpose. 
XXXX. Direct the credit bureaus to delete the inaccurate addresses, inquiries, and account records if the furnishers can not provide proper validation. 
XXXX. Hold furnishers accountable for violations of FCRA and FDCPA, including possible fines and corrective action. 
XXXX. Provide written confirmation to me once the records have been deleted or corrected. 
XXXX. Issue appropriate enforcement against repeat violators or data furnishers engaging in systemic neglect. 
These violations are serious, repeated, and harmful, and I am requesting immediate attention to prevent further damage to my financial future. I am happy to provide supporting documentation or identification verification upon request. 
Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief