Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against multiple creditors and credit reporting agencies for severe and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq.

1. INCORRECT ADDRESS REPORTING ( Violation of FCRA 607 ( b ) and 611 ) There are multiple incorrect addresses being reported on my credit file which do not belong to me and were never associated with me. This misinformation is harming my creditworthiness and credibility. 
The following addresses are being wrongly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 607 ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These addresses do not belong to me and reporting them violates this section.

Furthermore, under FCRA Section 611, I have the right to dispute any inaccurate information, and the CRA must investigate and correct it within 30 days.

2. INACCURATE ACCOUNT REPORTING & VIOLATION OF FCRA/FDCPA Below is a list of accounts that are inaccurately reported, outdated, not properly validated, or in violation of federal laws. These accounts are affecting my credit score unfairly, and many are either duplicates, incorrectly reported as charged-off, or placed for collections without notice.

SYNCB / Care Credit Issue : Charge-off, incorrect balance and date.

Violation : FCRA 623 Furnishers must report accurate data.

Action Requested : Provide full verification, date of default, proof of original contract. 
XXXX XXXX XXXX XXXX XXXX XXXX : Reported as charged-off without proper notice. 
Violation : FDCPA 1692g Right to dispute debt, must send validation within 5 days.

Action Requested : Provide validation letter, cease inaccurate reporting. 
XXXX  XXXX XXXX XXXX : Duplicate account reporting and false delinquency. 
Violation : FCRA 623 ( b ) Duty to investigate upon notice of dispute.

Action Requested : Remove duplicate, provide dispute results. 
XXXX XXXX XXXX ( Multiple Entries ) Issue : Same account reported twice with different data. 
Violation : FCRA 607 ( b ) Reasonable procedures not followed.

Action Requested : Delete duplicates, validate original contract and balance. 
XXXX XXXX XXXX XXXX XXXX XXXX : Incorrect status, wrong payment history post forbearance. 
Violation : FCRA 623, FDCPA 809.

Action Requested : Correct payment history, provide servicing breakdown. 
XXXX Issue : Reporting inaccurate balance and date opened.

Violation : FCRA 623, 609 ( a ) ( 1 ) Right to full file disclosure.

Action Requested : Send original agreement, correct errors. 
XXXX ( XXXX ) Issue : Account shows missed payments during disputed months. 
Violation : FCRA 611 Failure to correct errors post dispute.

Action Requested : Rectify payment history, provide timeline validation. 
XXXX Issue : Reporting balance after settlement.

Violation : FCRA 623 ( a ) ( 2 ), FDCPA.

Action Requested : Remove post-settlement balance or update as paid. 
XXXX  ( XXXX XXXX XXXX ) Issue : Incorrect charge-off date and balance. 
Violation : FCRA 623 ( b ) Action Requested : Full investigation and correction. 
XXXX XXXX XXXX Issue : Collections account, no debt validation provided. 
Violation : FDCPA 809 ( b ) Action Requested : Cease collection, provide validation letter. 
XXXX Issue : Reporting with no clear origin of debt.

Violation : FCRA 609 ( a ) ( 1 ) Action Requested : Provide name of original creditor, contract, and chain of custody. 
XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Issue : Re-aged debt in violation of SOL ( Statute of Limitations ).

Violation : FCRA 605 ( a ), FDCPA Action Requested : Remove or correct date of first delinquency. 
XXXX XXXX ( XXXX XXXX XXXX ) Issue : Reporting debt not owed or validated. 
Violation : FDCPA 809, FCRA 611 Action Requested : Provide validation and delete if unverifiable.

FINAL REQUEST In accordance with FCRA 609 ( a ) ( 1 ), I am requesting full disclosure of the information in my file and demand that any unverifiable, inaccurate, or outdated information be removed immediately. Failure to comply will result in further legal action and complaints with the FTC and Attorney General. 
Please treat this as a formal dispute under FCRA and validation request under FDCPA. I request a prompt and thorough investigation.

Company response to consumer: Closed with explanation