Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional distress, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
XXXX XXXX XXXX XXXX XXXX XXXX Issue : This is the third version of the same incorrect address. 
Law : FCRA 1681i mandates that a CRA must block or remove disputed information if it can not be verified. 
XXXX : Every time a creditor pulls my report, these wrong addresses raise red flags and delay approvals, even when my credit score is otherwise qualifying. 
XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$0.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charge off is reported even though the balance shows {$0.00}. This is contradictory and unfair. 
Law : Per FCRA 1681s-2 ( b ), if a balance is {$0.00}, the creditor can not maintain a charge-off status indefinitely. 
XXXX : I resolved this account years ago in good faith. I believe this " charge-off '' is an error from outdated reporting systems or automated update failure. Keeping it harms my debt-to-income evaluation and shows negative history to landlords and insurers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$34000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late payments are inaccurately listed on this auto loan. 
Law : Under Section 4021 of the CARES Act, consumers with hardship agreements should not be penalized. 
XXXX : I was financially devastated by the pandemic. I contacted XXXX and entered a forbearance plan that should have protected my credit. Despite this, they reported late payments during my protected period. This has left me ineligible for vehicle refinancing and is increasing my insurance premiums. 
XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$22000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charge-off status applied during active communication with the lender. 
Law : Under FCRA 623 ( a ) ( 1 ) ( B ) and FDCPA, creditors must notify before charging off and allow disputes. 
XXXX : I had medical and employment issues, but I was actively communicating with XXXX about payment adjustments. Instead of offering support or resolution options, they charged off the account abruptly. This is emotionally traumatizing and has destroyed my credit score. I now face rejection from rental housing due to this status. 
XXXX XXXX XXXX * | High Balance : {$3500.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Charge-off is shown, though I never received proper notification or final demand. 
Law : Under FCRA 1681s-2 ( a ), creditors must accurately notify and provide opportunities to dispute before negative actions. 
XXXX : This card was in good standing until I lost my job during the economic downturn. I contacted them but received no response. Later, I discovered the charge-off on my credit file with no communication or explanation. I feel violated and helpless. This affects every loan application I try to submit and makes it seem like Im financially irresponsiblewhich is not true. 
I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

Company response to consumer: Closed with non-monetary relief