Consumer complaint received 2025-07-31 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 submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Law : FCRA 1681c-2, 1681e ( b ) Issue : This address is inaccurately listed on my credit report. I have never resided or received mail at this location. 
Story : Including this address violates the FCRAs requirement for accuracy. I request immediate deletion from my credit profile as it misrepresents my identity and residency. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Wrong Address Law : FCRA 1681c-2, 1681e ( b ) Issue : I have no connection to this address and it was never associated with me. 
Story : Reporting this address is an error. I request deletion due to inaccuracy and lack of verification. 

XXXX XXXXXXXX XXXX XXXX  Late Payment * * Law : FCRA 1681s-2 ( a ), 1681e ( b ) Issue : Late payment inaccurately reported Story : I dispute this reported delinquency as I was never late on this account. The entry is damaging and not backed by full evidence. Please verify or delete. 

XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) Late Payment * * Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ), 1681e ( b ) Issue : Late payments listed are not valid Story : The listed late payment is inaccurate. I request a reinvestigation and demand correction or deletion if the data can not be fully verified. 

XXXX XXXXXXXX XXXX XXXX  Late Payment * * Law : FCRA 1681e ( b ), 1681i ( a ) Issue : Late payment entries are being reported inaccurately Story : This account has multiple inaccuracies regarding payment history. I dispute this and request deletion if proof can not be provided. 

XXXX XXXXXXXX XXXX XXXX Late Payment * * Law : FCRA 1681e ( b ), 1681i Issue : Multiple late payments misreported Story : The record does not reflect the actual payment schedule. This information is harmful and needs immediate correction or removal. 

XXXX XXXXXXXX XXXX XXXX  Late Payment * * Law : FCRA 1681s-2, 1681e ( b ) Issue : Inaccurate delinquency reporting Story : This negative mark is outdated and can not be verified with current records. Please conduct a full investigation. 

XXXX XXXX XXXX XXXX  Late Payment * * Law : FCRA 1681e ( b ), 1681i ( a ) ( 5 ) Issue : Payment status is misleading Story : My records contradict this negative mark. Please delete or correct immediately following your reinvestigation. 

XXXX XXXXXXXX XXXX XXXX  Late Payment * * Law : FCRA 1681s-2 ( b ), 1681e ( b ) Issue : Duplicate account with conflicting data Story : This is being reported in XXXX different ways. Please correct the error or remove it entirely. 

XXXX XXXX Late Payment Law : FCRA 1681s-2, 1681e ( b ) Issue : The late mark on this account is inaccurate Story : The payment history was misreported. I request an investigation and removal of the incorrect entry. 

XXXXXXXX XXXX XXXX XXXX Late Payment * * Law : FCRA 1681e ( b ) Issue : Late payment record is unverifiable Story : I have not missed payments on this account. If the furnisher can not confirm its validity, it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Late Payment * * Law : FCRA 1681s-2 ( a ), 1681e ( b ) Issue : Incorrect delinquency after account closure Story : The account has a XXXX balance and closed in good standing. This mark is not justified. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Charge-Off * * Law : FCRA 1681e ( b ), FDCPA 807 ( 8 ) Issue : Debt validation not provided Story : This debt is unverified and inaccurate. XXXX has not furnished proof of ownership or legitimacy. Please remove. 

XXXX XXXX XXXX XXXX  Charge-Off * * Law : FCRA 1681i, FDCPA 809 Issue : Unverified and duplicate tradeline Story : No validation has been given for this debt. I demand a reinvestigation and deletion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge-Off * * Law : FCRA 1681s-2, FDCPA 807 Issue : Same debt reported under another name Story : This debt is already reported by XXXX. Reporting again under XXXX is misleading. Delete. 

XXXX XXXXXXXX XXXX XXXX Charge-Off * * Law : FCRA 1681e ( b ) Issue : Misleading status after closure Story : The account shows a charge-off despite showing a {$0.00} balance. This is inaccurate and must be removed. 

XXXX XXXX XXXX XXXX XXXX Charge-Off * * Law : FCRA 1681e ( b ), 1681i Issue : Charge-off listed after balance paid Story : This account had a {$0.00} balance before being marked as charged off. Thats inaccurate and should be deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Charge-Off * * Law : FCRA 1681e ( b ), 1681s-2 Issue : Re-aged and duplicated Story : This account was reported twice and appears to have been re-aged, which violates reporting rules. Please delete. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

Company response to consumer: Closed with non-monetary relief