Consumer complaint received 2025-05-31 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: AZ

Complaint narrative:
I am writing to bring to your urgent attention numerous serious inaccuracies and violations found on my credit report, which have severely affected my financial reputation and opportunities. Despite multiple attempts to resolve these errors directly with creditors and credit bureaus, the issues remain uncorrected, forcing me to seek your intervention. 
My Experience and Disputes : Since reviewing my credit reports thoroughly, I discovered multiple charge-off accounts inaccurately reported, some duplicated, with incorrect balances that do not reflect the true status of my debts. For example, my XXXX XXXX ( Account : XXXXXX/XX/XXXX shows a charge-off with a balance of {$290.00}, which is incorrect and has not been validated. Likewise, XXXX XXXX ( XXXXXX/XX/XXXXand XXXX XXXXXX/XX/XXXXXX/XX/XXXX accounts also show charge-offs with balances and dates that I dispute as inaccurate. 
In addition, several accounts from XXXX ( XXXXXX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXXappear multiple times on my credit report as charge-offs and collections with conflicting balances, indicating duplicate reporting. This not only misrepresents my credit history but also violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting ( FCRA 609, 611, 623 ). 
Furthermore, my XXXX XXXX ( XXXXXXXX XXXX XXXX account shows a charge-off with an inflated balance of {$13000.00}, which I have never agreed to or been properly notified about, raising concerns about validation as required by the Fair Debt Collection Practices Act ( FDCPA 805, 809 ).

Late Payments Reported in Error on Student Loan Accounts : My student loan accounts managed by Department of Education / XXXX ( Multiple Account Numbers ) show multiple late payments reported on various dates and balances, which are inaccurate and unsubstantiated. These erroneous late payment entries significantly damage my credit score and financial stability.

Under the FCRA, I have the right to dispute these inaccurate entries and expect proper investigation and correction ( FCRA 609, 611 ). Debt collectors must validate debts before reporting them, as required by the FDCPA ( FDCPA 805, 807 ).

Collections Accounts with Unverified and Duplicate Debt : I also dispute several collection accounts that have been reported with incorrect balances or duplicate entries. For instance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Absolute Resolutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reported collections with balances I do not recognize or that have not been validated upon my request. 
Other collections such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reported more than once or with conflicting information, violating both the FCRAs requirement for accuracy and FDCPAs debt validation rules.

Incorrect Personal Information Reported : In addition to the above credit reporting errors, my credit file contains several incorrect addresses, including : XXXXXXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX T

hese inaccurate addresses not only risk identity confusion but also represent a violation of the FCRAs man

date that consumer reporting agencies maintain accurate personal information ( FCRA 609 ). Summary and Legal Grounds : These combined issues represent a

pattern of negligence and disregard for federal consumer protection laws, including : FCRA Violations : Inaccurate, incomplete, and duplicate reporting of accounts ( FCRA 609, 611, 623 ). FDCPA Violations : Failure to validate debts properly, deceptive and unfair collection practices ( FDCPA 805, 807, 808, 809 ).

Personal Data Accuracy Violations : Incorrect personal identifying information ( FCRA 609 ).

My Request : I respectfully request the CFPB t
o investigate these credit reporting inaccuracies and enforce corrective action to ensure my credit report reflects accurate, verified, and fair information. I ask that : Duplicate and inaccurate charge-offs and collection accounts be removed or corrected.

Late payment entries on my student loans be verified or deleted if unsubstantiated.

Credit reporting agencies correct the inaccurate personal address information.

All accounts are validated and verified in accordance with the FDCPA and FCRA requirements.

If these matters are not resolved promptly, I will consider pursuing legal remedies to protect my rights.

Thank you for your attention to my complaint. I look forward to your confirmation and updates.

Company response to consumer: Closed with explanation