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enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting.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, FL XXXX Address Law : FCRA Section 609 ( c ), Section 611 Issue : This address is not mine and should not be linked to my credit report. 
Story : I have never resided at this location and have no known connection to this address. The inclusion of this inaccurate address is damaging and misleading. Please remove it immediately from my file after reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Address Law : FCRA Section 609 ( c ), Section 611 Issue : This address is false and appears due to data errors or identity confusion. 
Story : I ask that this address be removed as I have no legal or residential association with it. It does not belong in my credit history and must be corrected. 

XXXX XXXX * * Account Late Payment * * Law : FCRA Section 611, Section 623 Issue : This account shows inaccurate late payment reporting. 
Story : I believe the reported late payment is incorrect. I request a full reinvestigation and verification of the reported payment history. If you can not verify with accurate documentation from the original creditor, this entry must be deleted from my report. 

XXXX XXXX XXXX XXXX * * Account Charge-Off * * Law : FCRA Section 623, FDCPA Section 807 Issue : This charge-off is duplicated from the XXXX XXXX collection and is double jeopardy. 
Story : This appears to be a duplicate entry for the same alleged XXXX XXXX account. This inflates my negative reporting unfairly. If this is not a separate debt, it must be removed under FCRA for inaccurate reporting. 

XXXX XX/XX/year> Inquiry Law : FCRA Section 604 Issue : Third instance of unauthorized XXXX  XXXX inquiry. 
Story : XXXX XXXXXXXX inquiries continue appearing without my authorization. Please remove all instances that can not be proven to be valid. 

XXXX XX/XX/year> Inquiry Law : FCRA Section 604 Issue : Unauthorized access to my credit file. 
Story : I never applied for credit with CCFCU on this date or at any time. This is a clear violation of my consumer rights and must be deleted. 

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