Consumer complaint received 2025-06-06 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:
Complaint Title : Multiple Incorrect Addresses & Reporting Errors on Credit File FCRA Violations Details of the Complaint ( Narrative ) : I am filing this complaint to report multiple serious errors on my credit report that are negatively affecting my creditworthiness and peace of mind. Despite attempts to rectify these issues, they remain unresolved.

1. Incorrect Address Reporting ( Violation of FCRA 607 ( b ) ) There are multiple addresses on my credit report that I have never lived at, which I believe are a result of inaccurate reporting or potential identity confusion. The following addresses are incorrect and should be removed : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ( appeared in XX/XX/XXXX and XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX appeared in XX/XX/XXXX ) These addresses have no connection to me, and their appearance on my credit file is alarming. This misreporting violates the Fair Credit Reporting Act ( FCRA ), particularly Section 607 ( b ) which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

2. Accounts with Derogatory Marks ( Some Also Possibly Inaccurate ) Here is a breakdown of the derogatory accounts currently on my report and the related issues : Late Payments : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Acct XXXX XXXX XXXXXXXX ) Opened XX/XX/XXXX High Credit : {$2300.00} XXXX ( Acct XXXX : XXXX ) Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX High Credit : {$2000.00} Late payments on these accounts are questionable and potentially inaccurate. I request documentation supporting each of the reported delinquencies, as required under FCRA 611 ( a ). 
Charge-Off Accounts : XXXXXXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXXXXXX ) Opened XX/XX/XXXX Balance : {$2300.00} XXXX ( Acct XXXX XXXX XXXXXXXX ) Opened XX/XX/XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX ) Opened XX/XX/XXXX Balance : {$16000.00} I request validation under FCRA 611 and 623 for these accounts. If any are inaccurately reported or have been re-aged, that constitutes a clear violation. 
Collections : XXXX XXXX XXXX ( 2 entries ) : o Account XXXX XXXX XXXXXXXX Opened XX/XX/XXXX High Credit : {$4200.00} o AccounXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$4200.00} These appear to be duplicate collection entries for the same debt. Reporting the same debt multiple times in different formats is misleading and possibly a violation of FCRA 607 ( b ) and FDCPA ( Fair Debt Collection Practices Act ) rules about fair reporting.

3. Emotional and Financial Impact Due to these errors, I have been denied credit, faced higher interest rates, and experienced emotional distress. I believe these inaccuracies reflect a clear failure to maintain accurate and fair reporting practices as mandated by federal law.

4. What I Am Requesting : Immediate investigation and removal of the incorrect addresses.

Verification of all accounts marked with late payments, charge-offs, and collections. 
Deletion of any unverifiable or duplicative account ( especially XXXX XXXX ). 
Written confirmation of the outcome of these investigations. 

Relevant Laws Cited : FCRA 607 ( b ) Duty to follow reasonable procedures for maximum accuracy FCRA 611 Procedure in case of disputed accuracy FCRA 623 Responsibilities of furnishers of information FDCPA Prohibits misleading and duplicative collection reporting My Information : XXXX XXXX

Company response to consumer: Closed with non-monetary relief