Consumer complaint received 2025-09-11 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, I am filing this complaint regarding inaccurate reporting on my credit file. The credit reporting agencies and furnishers have failed in their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These errors have caused me direct financial, emotional, and professional harm. Below are the specific items in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address This address is not mine and has been incorrectly reported on my credit file. Reporting false addresses is misleading and creates a risk of mixed file identity theft. Under FCRA XXXX ( b ) CRAs must maintain reasonable procedures to assure maximum possible accuracy of consumer information. I have never lived at this address and demand its deletionStory : Because of this false address, I was wrongly connected to accounts that are not mine. This has led to confusion during credit checks and I even faced questioning from a lender about whether I lived at this location. Such mistakes have caused embarrassment, wasted time, and made me feel like my identity is not secure XXXX XXXX XXXX B XXXX XXXX XXXX XXXX, FL XXXX Wrong Address This is another false and inaccurate address being reported. This creates confusion and damages my personal credit profile. By allowing such inaccurate personal information to remain, the CRA is in violation of FCRA XXXX and XXXX. I request immediate removalStory : Because this address is on my credit file, I was denied approval for an apartment rental since the landlord believed I had unstable residency. This directly harmed my housing opportunities and caused unnecessary stress for my family XXXX XXXX XXXX D XXXX XXXX XXXX XXXX, FL XXXX Wrong Address This address is also not connected to me. Reporting this incorrect address creates risk of fraudulent association and inaccurate reporting. Under FCRA XXXX ( a ), I am demanding reinvestigation and permanent deletion of this address from my fileStory : This wrong address has created suspicion that I was connected to debts tied to that location. A potential employer questioned me about inconsistencies in my background report, and it damaged my professional image. This false reporting has had real negative impact on both my financial and career opportunities XXXX Account XXXX Date Opened XXXX XXXX, XXXX Credit Limit {$200.00} Charge Off This account is being reported as a charge off which is inaccurate and damaging. The furnisher failed to comply with FCRA XXXX ( a ) ( XXXX ) ( A ) by reporting incomplete and inaccurate information. Additionally, the account balance and status are not updated accurately. This account must be corrected or deletedStory : Because of this charge off being reported, I was denied approval for a small line of credit I needed to cover emergency expenses. My credit score dropped unfairly, which increased the interest rates on other accounts. This false reporting continues to punish me for something that is not accurate XXXX  Account XXXX Date Opened XX/XX/XXXX Credit Limit {$300.00} Charge Off This account is also being falsely reported as a charge off. The reporting lacks proper verification and violates FCRA XXXX as the CRA has failed to conduct a proper reinvestigation. The inaccurate reporting of charge off status severely damages my creditworthiness and constitutes negligence. I request immediate deletionStory : This false charge off has led to repeated denials of credit card applications. I was forced to rely on highfee subprime products instead of fair credit. This situation has caused financial hardship, anxiety, and ongoing emotional stress XXXX XXXX XXXX Account XXXX Date Opened XX/XX/XXXX Balance {$230.00} Collection This collection account is inaccurate and unverifiable. XXXX XXXX is a debt buyer and under FDCPA XXXX ( a ) they must provide full validation of debt upon request. No proper validation was provided. Reporting unverifiable debt is a violation of both FDCPA and FCRA. I demand immediate deletionStory : This false collection has already led to a loan denial. I was told by a lender that I had unpaid collections when in reality this debt does not belong to me. It has created extreme stress, loss of opportunities, and emotional harm by portraying me as irresponsible when I am not XXXX XXXX XXXX Account XXXX Date Opened XX/XX/XXXX Balance {$400.00} Collection This is a duplicate and inaccurate reporting by XXXX XXXX. Duplicate collections are misleading, unfair, and violate FCRA XXXX ( b ) and FDCPA XXXX ( XXXX ) ( A ) ( false representation of the character or amount of debt ). This account is inaccurate, unverifiable, and must be deleted immediatelyStory : This duplicate account has made my credit report appear worse than it really is. It gives lenders the impression I have multiple unpaid debts when that is not true. As a direct result, I was denied an auto loan and forced to rely on unreliable transportation, affecting my work and family responsibilities Conclusion : These wrong addresses and inaccurate accounts violate my rights under federal law. They have caused me loan denials, higher costs of credit, housing issues, professional harm, and emotional distress. I am requesting that CFPB investigate these violations and compel the credit reporting agencies and furnishers to delete these false and unverifiable items immediately.

Company response to consumer: Closed with non-monetary relief