Consumer complaint received 2025-07-23 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 filing this complaint regarding the inaccurate, misleading, and harmful information being reported by the credit bureaus and furnishers on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer protection laws. These inaccuracies involve false addresses, misreported accounts, duplicate entries, unverifiable debts, unauthorized inquiries, and outdated derogatory data that are significantly harming my credit profile, financial opportunities, and overall well-being. Despite attempts to correct these errors, they remain unresolved, and I am now requesting immediate CFPB intervention and investigation. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law Violated : FCRA XXXX ( a ) ( XXXX ) obsolete or incorrect address Explanation : I have never resided at this address nor have I authorized its use on any financial applications. Its appearance on my credit report is indicative of identity confusion or reporting error, and it is harming my creditworthiness. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX Issue : Wrong Address Law Violated : FCRA XXXX ( b ) failure to maintain accurate information Explanation : This address is not mine, nor have I ever had any association with it. Its presence is misleading and may be associated with accounts or activity that is not mine. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : Late Payment Law Violated : FCRA XXXX ( a ) ( XXXX ) ( A ) furnishing inaccurate info Explanation : I made payments in good faith, but the account was reported late without justification. The late mark does not reflect the actual activity on this account and is affecting my score unfairly. 
XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance : {$570.00} Issue : Late Payment Law Violated : FCRA XXXX ( b ), FDCPA XXXX ( XXXX ) unfair practices Explanation : I dispute the accuracy of this late payment. I was under an approved payment arrangement, yet the creditor still reported it as late, which misrepresents my payment conduct. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$630.00} Issue : Charge-Off Law Violated : FCRA XXXX ( b ), FDCPA XXXX Explanation : This account was paid in settlement ; however, it is still being reported as charged-off. The creditor has failed to update the current and accurate status, and this is deceptive reporting. 
XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$570.00} Issue : Collection Law Violated : FCRA XXXX, FDCPA XXXX ( b ) Explanation : I have never received a notice validating this debt. The collection was added without prior validation or notice, which violates debt validation requirements and fair reporting. 
XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2400.00} Issue : Collection Law Violated : FDCPA XXXX ( b ), FCRA XXXX Explanation : This debt is not mine. XXXX failed to provide any evidence of the original creditor, amount owed, or my obligation. Reporting such an account is harmful and unlawful. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law Violated : FCRA XXXX ( b ) Explanation : I dispute the accuracy of this collection. No validation or breakdown of the debt has ever been provided, and this item is impacting my ability to qualify for credit. 
XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$610.00} Issue : Duplicate Collection Law Violated : FCRA XXXX Explanation : This is a second entry of the same XXXX  account listed above. It must be removed immediately to reflect a true and fair reporting history. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$350.00} Issue : Charge-Off Law Violated : FCRA XXXX ( a ) ( XXXX ) obsolete account Explanation : This account is over XXXX XXXX XXXX and should have been purged under credit reporting time limitations. Its presence is a clear violation of the FCRA. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge-Off Law Violated : FCRA XXXX ( b ) Explanation : This account is showing a XXXX balance and charged-off status, which is inaccurate. A charge-off can not have a {$0.00} balance unless it was paid, settled, or deleted, which is not reflected. 
XXXX XX/XX/XXXX Issue : Duplicate Inquiry Law Violated : FCRA XXXX Explanation : This is a second inquiry listed for the same date. Multiple inquiries for the same creditor are excessive and negatively impact my score. 
This is a clear pattern of willful negligence, inaccurate data handling, duplication of derogatory entries, unverifiable debts, unauthorized inquiries, and illegal retention of obsolete information. I respectfully request the CFPB to investigate all named furnishers and credit reporting agencies for non-compliance and compel immediate deletion or correction of all inaccurate items listed in this complaint. These errors are significantly harming my creditworthiness, mental peace, and financial health.

Company response to consumer: Closed with explanation