Consumer complaint received 2025-07-26 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:
I am filing this complaint against multiple credit furnishers and credit reporting agencies for serious and repeated violations of the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and Fair Debt Collection Practices Act ( FDCPA ). My credit report contains inaccurate addresses, unverified derogatory account information, unauthorized charge-offs, and collections without proper validation. Despite my efforts to resolve these matters, the issues remain unresolved and are severely impacting my financial wellbeing. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX WRONG ADDRESS Issue : This address is not related to me in any manner. 
Law : FCRA 605B empowers consumers to dispute any fraudulent or incorrect information promptly. 
Story : I suspect this address is a result of mistaken identity or a data entry error. Its inclusion undermines the overall accuracy and integrity of my credit profile. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS Issue : I have no personal or professional connection to this XXXX address. 
Law : FCRA 1681i mandates the deletion or correction of unverifiable and incorrect information. 
Story : The improper listing of this address creates red flags during background and credit checks and suggests an issue with data accuracy that has directly affected my financial reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) LATE PAYMENTS Issue : The record of late payments is being reported inaccurately and does not reflect my payment history. 
Law : The Fair Credit Billing Act ( FCBA ) 1666 and FCRA 623 ( a ) ( 1 ) ( A ) require that all reported information be accurate and fair. 
Story : Due to financial hardship during the pandemic, I requested hardship assistance which was not properly accommodated. These late payments, therefore, misrepresent my financial responsibility and hurt my overall credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) LATE PAYMENTS Issue : Late payments reported here stem from billing miscommunications and a lack of proper response from the creditor. 
Law : FCBA 1666 protects against billing errors, while FCRA provisions require accurate reporting. 
Story : Despite multiple attempts to rectify the situation and settle the balance, the creditor maintained these late marks, unfairly tarnishing my record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) LATE PAYMENTS Issue : The reported late payments are inaccurate and do not reflect the understanding reached during a period of temporary income loss. 
Law : FCRA 623 ( b ) stipulates that furnishers must promptly investigate any disputes raised by the consumer. 
Story : I consistently communicated with XXXX XXXX regarding my temporary hardship, and the subsequent late payment markings were reported without any prior notice or resolution, causing undue harm to my score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Issue : Reporting late payments on an account with a {$0.00} balance is contradictory and misleading. 
Law : FCRA 605 and FCBA 1666 ( a ) empower me to dispute such misrepresented information. 
Story : Although this account was properly closed after settlement, the continued reporting of late payments is causing unnecessary damage to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) CHARGE OFF Issue : This account has been charged off without proper communication or final billing documentation. 
Law : FCRA 623 ( a ) ( 5 ) requires that any charge-offs be accurately reported following due process. 
Story : I believed this account had been resolved and paid off. The unexpected charge-off status was never communicated to me, resulting in an unfair blemish on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF Issue : The account was charged off without proper debt validation or notice. 
Law : Under FCRA 809 ( b ) and the Fair Debt Collection Practices Act ( FDCPA ), all debts must be validated prior to adverse reporting. 
Story : After requesting debt validation from XXXX, I received no response. Instead, the account was prematurely charged off, unjustly affecting my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) CHARGE OFF ( {$26.00} ) Issue : The reporting of a {$26.00} charge-off is disproportionate and appears to be a system error. 
Law : FCRA 607 ( b ) enforces fairness and proportionality in credit reporting. 
Story : The minimal balance in question was cleared as soon as the error was identified, yet it remains marked as a charge-off, unjustly penalizing my credit history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) LATE PAYMENTS Issue : Late payments are being reported on an account with a {$0.00} balance that should have been removed due to its age. 
Law : FCRA 605 ( a ) ( 5 ) states that derogatory information should be removed after seven years.

Story : This account is long closed and fully settled, yet it continues to be reported with negative marks that are both outdated and detrimental. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF Issue : A charge-off was reported while I was actively negotiating a revised payment plan. 
Law : FCBA 1666 and FCRA 623 require proper notification and investigation before any adverse action is taken. 
Story : The charge-off was recorded amidst ongoing discussions for restructuring the debt, demonstrating a disregard for my efforts to maintain a good standing and resulting in an unfair financial penalty. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This collection account appears on my report without proper validation. 
Law : The FDCPA 809 ( b ) protects consumers from incorrect or unvalidated collections. 
Story : I have not received any correspondence or documentation that supports this debt. Its sudden appearance as a collection severely compromises my financial reputation and appears to be a case of erroneous reporting. 
RELIEF REQUESTED I respectfully request the CFPB investigate these issues and take immediate enforcement action. I am requesting : Complete deletion of all incorrect addresses Deletion or correction of all unverified, inaccurate, or misreported accounts Validation documents for any accounts being furnished negatively Compensation for damages caused by negligent reporting and violations of my rights I can provide supporting documentation including letters Ive sent to furnishers, screenshots of the credit reports, and detailed dispute records. Please assist in resolving this matter urgently.

Company response to consumer: Closed with non-monetary relief