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:
Dear CFPB Representative, I am filing this formal complaint against the credit reporting agencies and associated furnishers due to multiple inaccurate, unverifiable, and damaging items currently listed on my credit reports. These items are violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and are causing significant harm to my financial life. I am requesting the CFPBs urgent assistance in investigating and resolving the following : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} XXXX XXXX XXXX Issue : This account is not mine. I have never received notice, billing, or validation of this debt. The balance is unfamiliar, and I never authorized any collection to be opened under my name.

Law : FDCPA 809 requires debt collectors to send written validation of debt within 5 days of first contact. FCRA 611 demands a full reinvestigation upon dispute.

Story : This entry is hurting my credit score and preventing me from qualifying for a vehicle loan I urgently need to commute to work. Ive never even heard from XXXX XXXX, and yet my life is being affected every day by this false entry. 
XXXX XXXX  XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} LATE PAYMENT * * Issue : I was never notified of any late payment, and I have not received a single billing statement showing a delinquency. I suspect this is either an error or the result of misapplied payments.

Law : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of credit data must report accurate and complete information.

Story : This unexpected late mark dropped my score by over XXXX points during a home rental application, causing me to lose the unit I had secured. I suffered financial loss and emotional distress due to this inaccurate reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} CHARGE OFF * * Issue : I was unaware of this charge-off. I was never contacted or informed that the account had gone delinquent. No final accounting, itemized statements, or right to dispute was provided.

Law : FDCPA 807 prohibits false and misleading representations. FCRA 609 entitles me to see all information on file, which I have not received.

Story : My employment was disrupted due to illness, and I attempted to communicate and settle any obligations. Instead, this entry appeared without warning, deeply damaging my score and my peace of mind. 
UNKNOWN ACCOUNT XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} COLLECTION * * Issue : This account is unidentified and suspicious. I have never authorized such account activity and believe it may be fraud or reporting error.

Law : FCRA 605B mandates blocking of information resulting from identity theft.

Story : Im fearful this may signal identity fraud. I now have to check my credit daily, live in stress, and guard every financial move, which is exhausting and unfair. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$130.00} CHARGE OFF * * Issue : This appears to be the same as the earlier XXXX XXXX entry, which is being double-reported under two variations.

Law : FCRA 607 prohibits furnishing false or duplicate information.

Story : Duplicate charge-offs are especially devastating when trying to qualify for assistance programs. Ive missed out on emergency rental help because of this duplication. 
XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$510.00} CHARGE OFF * * Issue : Same as above, this is another duplication of a collection already listed. It violates fair reporting practices and misrepresents the extent of my debt.

Law : FCRA 623 prohibits multiple reporting of the same delinquency under different identifiers.

Story : I have been denied credit because it appears I have multiple charge-offs when in fact its XXXX account reported repeatedly. This is abusive. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} CHARGE OFF * * Issue : This account is over 17 years old and should no longer be on my credit report.

Law : FCRA 605 ( a ) ( 4 ) limits reporting of charge-offs to 7 years from the date of first delinquency.

Story : This obsolete item has no balance, no impact, and no relevance today. Yet it sits on my report like a dark stain from the past, keeping me stuck. 
I have already contacted the credit bureaus with no adequate resolution. I am suffering due to these unlawful reports, and I request immediate help from the CFPB to stop this ongoing harm. I am enclosing supporting documentation ( dispute letters, ID, proof of residence, etc. ) and request your team to take appropriate enforcement action.

Company response to consumer: Closed with non-monetary relief