Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint I am submitting this formal complaint regarding multiple inaccurate, incomplete, and unverifiable items being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). Despite my repeated attempts to dispute and resolve these inaccuracies, they continue to be reported by furnishers and credit bureaus without proper investigation or validation. These inaccuracies have severely damaged my credit score, limited my access to financial products, and caused me emotional and financial distress. 
XXXX XXXX XXXX XXXX XXXX FL XXXX Issue : This is not my address and I have never resided at this location Law : Reporting inaccurate personal information violates 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy Story : This address has been incorrectly associated with my credit profile, potentially due to file mixing or identity confusion, and it is harming my personal identification record with lenders and financial institutions XXXX XXXX XXXX XXXX, NY XXXX Issue : I have no connection with this address ; it is completely unfamiliar to me Law : Under 15 U.S. Code 1681i ( a ), credit bureaus must reinvestigate disputed information when a consumer notifies them of inaccuracy Story : The presence of this New York address on my file is misleading and results in incorrect background checks and risk assessments CAVALRY PORT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This collection entry appears without any supporting documentation or notice Law : FDCPA 809 ( b ) requires verification before reporting, and continued reporting without proof is a violation of FCRA 1681s-2 Story : I have requested details on this debt multiple times and was never provided any documents or billing statements to substantiate the amount claimed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$300.00} Issue : Charged off without proper notification or payment options offered Law : FCRA 1681e ( b ) and FDCPA 807 ( false representation of debt ) Story : I never received billing statements or a chance to bring this account current. I was unaware it had gone into charge-off until it damaged my credit I respectfully request the Consumer Financial Protection Bureau to investigate these matters and hold the reporting agencies and furnishers accountable for failing to meet their legal obligations under FCRA and FDCPA. I am requesting the immediate deletion or correction of all the inaccurate addresses and derogatory accounts mentioned above. I also request that any furnisher who fails to validate the disputed information be prohibited from reporting the data further. 
I am prepared to provide identification documents, address proof, prior disputes, and any other supporting evidence required.

Company response to consumer: Closed with non-monetary relief