Consumer complaint received 2025-09-25 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: OH

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against multiple furnishers and credit reporting agencies due to inaccurate, misleading, and harmful information being reported on my consumer credit files. These items are not being reported in compliance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and other federal protections. 
I request immediate investigation, correction, and enforcement action as outlined under the law. Below are the disputed accounts : Wrong Address Reporting XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address This address is entirely false. I have never lived here, never received mail here, and have no personal connection to this location. Including this address in my credit file creates the misleading impression that I am connected to unknown or fraudulent residences. Such errors unfairly harm me because creditors often interpret wrong addresses as signs of instability or fraud. This violates FCRA 1681e ( b ) which requires maximum possible accuracy, and it must be deleted. 
Account Disputes XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Off This account is being reported as a charge-off, which is inaccurate. I have never been shown proof that this account legitimately belongs to me or that it was properly charged off. Because of this wrongful reporting, I have faced credit denials, and creditors automatically assume irresponsibility. This negative mark has damaged my ability to obtain fair credit and stands in violation of FCRA 1681i, which requires proper reinvestigation of disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX Charge Off This account shows a high credit of {$0.00} yet reflects a charge-off status, which is contradictory and inaccurate. Such conflicting information makes my report unreliable and misleading to lenders. When creditors review my report, they question my integrity and I am forced to defend myself against mistakes I did not make. This entry is harmful, inaccurate, and violates FCRA 1681e ( b ). 
XXXXXXXX XXXX XXXX XXXXXXXX Late Payment This account is showing late payments that never occurred. I have consistently maintained timely payments, and no valid documentation has been presented to justify this derogatory reporting. Because of this false late payment, my credit score has suffered, and I have been portrayed as an unreliable borrower. This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting known inaccurate information. 
XXXXXXXX XXXX XXXX XXXXXXXX Charge Off This tradeline has been marked as a charge-off without any proper supporting evidence. Such reporting without verification misrepresents my financial responsibility and unfairly damages my reputation. I was even denied credit opportunities due to this wrongful reporting, which violates both FDCPA 807 ( 8 ) and FCRA 623 ( b ) obligations. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Off This account is inaccurately reported as a charge-off with a high credit of only {$250.00}. This information is misleading and has directly harmed me by portraying me as financially irresponsible when no such proof exists. As a result, I have been denied financing opportunities. This is unlawful and must be corrected or removed under FCRA 623 ( a ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment This federal student loan account is showing late payments that I never made. This error is especially harmful because federal loan reporting is highly scrutinized, and inaccuracies can affect educational opportunities and aid eligibility. Reporting false late payments damages my creditworthiness and violates FCRA 623 ( a ) ( 1 ) ( A ). This entry must be corrected immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment This federal student loan account is inaccurately reporting late payments that I never made. This reporting is false and misleading, portraying me as an irresponsible borrower. Such errors are extremely harmful because federal loan records are often used to evaluate eligibility for future financial aid and government programs. Reporting false late payments violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from knowingly reporting inaccurate information. This account must be corrected immediately, and all false late notations permanently removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Late Payment This account is inaccurately showing late payments. I dispute this derogatory reporting because it is unverified and damaging. Reporting false delinquencies lowers my credit score and makes lenders assume that I have a history of default, which is untrue. This violates FCRA 1681s-2 ( b ), which requires furnishers to investigate disputed information. Without documented proof of any late payments, this entry must be deleted. 
XXXXXXXX XXXX XXXX XXXXXXXX Late Payment This account is showing late payments even though the high credit is reported as {$0.00}, which is contradictory and misleading. This kind of reporting creates confusion and makes it look as if I failed to pay on an account that had no balance. Such inaccurate reporting harms my credibility with lenders and violates FCRA 1681e ( b ) requiring maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Off This account is reported as a charge-off without valid supporting evidence. The high credit is listed as {$0.00}, which makes no sense with a charge-off status. This inaccurate reporting has unfairly damaged my reputation and caused me to be denied credit opportunities. Furnishers are obligated under FCRA 623 ( b ) to verify information when disputed. Since no validation has been provided, this entry must be permanently deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ) This collection account is inaccurate and unverified. XXXX XXXX is notorious for purchasing debts without proper documentation, then reporting them as collections. I have never been shown proof that this debt belongs to me. Reporting this entry without validation violates both FDCPA 809 ( b ) ( debt validation requirement ) and FCRA 1681i ( duty to reinvestigate ). Until full validation is produced, this collection must be deleted. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  ( {$780.00} ) This account is listed as a collection, but no original contract, billing statements, or signed agreements have been provided. Without proof, this reporting is misleading and harmful. The FDCPA requires debt collectors to validate debts before reporting them, and failure to do so violates FDCPA 807 ( 8 ) ( prohibition on false credit information ). This account must be deleted from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( {$680.00} ) This is another XXXXXXXX XXXX XXXX  account that is inaccurate. XXXX routinely reports unverifiable debts, and I have not received validation for this alleged balance. This entry unfairly harms my creditworthiness and is reported in violation of both FDCPA and FCRA. Unless XXXX can provide complete documentation showing that this account is valid and belongs to me, it must be removed. 
Bankruptcy XXXX XXXX XXXX Identifier XXXX Court : XXXX XXXX  XXXX This bankruptcy notation is false and misleading. I have never filed for XXXX XXXX XXXX and reporting such an item is XXXX of the most damaging possible errors on a credit report. A bankruptcy falsely attached to my name makes me appear financially ruined, blocking access to housing, employment, and credit. Reporting a bankruptcy without court-verified documentation violates FCRA 1681e ( b ) and represents willful noncompliance. This entry must be deleted immediately. 
Requested Relief : XXXX. Immediate investigation and deletion/correction of all disputed items. 
XXXX. Full compliance with FCRA 611 reinvestigation requirements. 
XXXX. Enforcement action against furnishers and CRAs for reporting unverified, inaccurate, and harmful information. 
XXXX. Written confirmation of results, corrections, and deletions. 
The continued presence of these false items on my credit report has caused me substantial harm, including denial of credit, financial loss, and emotional XXXX. I urge the CFPB to intervene and enforce the law to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief