Consumer complaint received 2025-07-26 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:
To Whom It May Concern, I am submitting this formal complaint against multiple furnishers and credit reporting agencies for the continued reporting of inaccurate, outdated, and unauthorized information on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable consumer protection laws. 
I am a victim of erroneous and possibly negligent reporting which has caused me significant financial and emotional distress. Below I am listing each disputed item with the nature of the issue, applicable law violated, and a brief background of my situation : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address Issue : This address does not belong to me and has never been associated with me Law : Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( c ) ( 2 ) ( A ), consumers have the right to dispute inaccurate or unverifiable addresses on their credit file Story : This address is showing up on my credit report despite having no connection to my identity, history, or application. Its presence is misleading and may indicate identity confusion or reporting errors from a third-party furnisher. I have never lived, received mail, nor conducted business from this address. 
XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This is not now nor has it ever been my place of residence Law : Per FCRA 611 ( a ) ( 1 ) ( A ), the consumer may dispute inaccurate personal information and request its deletion Story : I have no known relation to this address. Including it in my credit profile raises significant concerns over the integrity and accuracy of the credit file. It may contribute to mixed file errors, negatively impacting my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$500.00} * * Late Payment Issue : Late payment inaccurately reported and not validated Law : Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher shall not furnish any information that is inaccurate or incomplete Story : I was going through financial hardship due to medical emergencies during the reported period and had attempted to make arrangements with the creditor, which were not acknowledged. Despite good faith efforts, this account was marked late. No proper notice or verification of the missed payment timeline was provided to me, which is required under the law. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$2600.00} * * Charge Off Issue : This account is inaccurately listed as charged off without final verification Law : FCRA Section 611 requires reinvestigation of disputed items and deletion if unverified Story : The charge-off was applied despite my formal dispute with the original creditor. No debt validation or account statements were provided upon my request. I attempted to resolve the debt through alternative arrangements, but the account was instead marked as charged-off, causing severe damage to my score. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$8000.00} * * Charge Off Issue : Reported charge-off does not reflect actual account handling Law : FCRA Section 602 ( a ) ensures accuracy and fairness in credit reporting Story : I maintained consistent communication with XXXX XXXX XXXX XXXX regarding this account. Unexpected job loss during the pandemic affected my payment schedule, and despite multiple calls and hardship requests, no accommodation was made. I was never sent proper default notices and now this account unfairly affects my credit. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$34000.00} * * Charge Off Issue : Charged off while still in dispute and under payment plan Law : FCRA 623 ( a ) ( 3 ) requires creditors to mark disputed accounts as in dispute Story : This vehicle account was under an approved payment deferment due to financial hardship. I was actively communicating and fulfilling temporary payment arrangements. Yet the creditor ignored these arrangements, failed to mark the dispute properly, and listed it as charged off. This is deceptive and in direct violation of federal reporting standards. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$120.00} * * Collection Issue : No validation of debt was ever provided Law : FDCPA Section 809 ( a ) requires debt validation upon request Story : I never received any initial notice or breakdown of this debt. When I contacted the agency, they failed to provide proof of the original creditor or itemized statement. It appears to be a duplicated or erroneous collection that does not belong to me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} * * Charge Off Issue : Account charged off after error in loan servicing Law : FCRA 623 ( a ) ( 1 ) ( B ), furnisher responsibility to update information timely Story : This account was closed and paid through a third-party resolution service. I submitted all paperwork and payoff confirmation, yet XXXX XXXX failed to update the status timely. Instead, it was reported as a charge-off, damaging my credit even though the balance was resolved. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$310.00} * * Late Payment Issue : Payment delay due to technical banking error Law : FCRA 623 ( a ) ( 1 ) ( D ), reporting must reflect accurate and complete data Story : A glitch with my linked checking account caused an unintended missed payment. I contacted XXXX immediately to resolve the issue. Their system acknowledged the bank failure, but they still reported it late. This lack of flexibility penalized me unfairly for a situation outside my control. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} * * Charge Off Issue : Unverified charge-off and potential duplicate reporting Law : FCRA 611 ( a ), right to dispute and demand reinvestigation Story : I never received statements or proper debt notices for this account. I was shocked to see it marked as charged off without warning. Multiple requests for records have gone unanswered. This is possibly a fraudulent or misreported debt that should not exist on my report. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$830.00} Charge Off Issue : Duplicate reporting of the same debt ( see XXXX  above ) Law : FCRA prohibits duplicate reporting that misleads creditors and consumers Story : This account is a duplicate of the earlier collection. It appears under two similar names and inflates my negative profile. XXXX failed to respond to my debt validation letter, yet continues to list the item, which violates my consumer rights. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized Hard Inquiry Issue : I never authorized this credit inquiry Law : FCRA Section 604 ( a ) ( 2 ) requires permissible purpose before pulling credit Story : I have no existing relationship or application with XXXX XXXX. I did not authorize this inquiry, and it has appeared on my report without consent. It is a direct violation of federal law. 
XXXX Inquiry Date : XX/XX/XXXX Unauthorized Hard Inquiry Issue : I did not apply for credit with this entity Law : FCRA Section 604 ( a ) ( 3 ) ( A ) allows inquiries only with consumer permission Story : This inquiry is suspicious and unauthorized. I never applied for any loan or service from this company. Its presence is potentially linked to identity misuse or internal error. Immediate removal is necessary. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized Hard Inquiry Issue : Inquiry placed without my application Law : FCRA Section 604 inquiry must have permissible purpose Story : This hard inquiry appeared despite no recent application to XXXX XXXX. This may be the result of a technical or administrative error. It is misleading and unfairly lowers my credit score. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized Hard Inquiry Issue : I did not initiate this credit pull Law : Under FCRA 604 ( a ) ( 2 ), consumer must authorize all credit inquiries Story : XXXX XXXX placed this inquiry without my knowledge. I had not applied for any credit product at that time. This needs to be removed immediately as it constitutes unauthorized access to my credit data. 
Conclusion & Request for Immediate Action : I am requesting that the Consumer Financial Protection Bureau launch an immediate investigation into the above accounts, addresses, and inquiries. These entries are inaccurate, misleading, and were not reported in compliance with federal law. I have made numerous attempts to resolve these disputes with the credit bureaus and furnishers directly but have received either no response or incomplete investigations. 
These violations are not only affecting my credit score but also limiting my access to fair housing, employment, and basic financial opportunities. I request that the CFPB ensures all the disputed items are either corrected or deleted as per law and that responsible parties are held accountable. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief