Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally report multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by credit reporting agencies and data furnishers. The information listed below is inaccurate, unverified, misleading, and has caused substantial harm to my credit standing and financial stability. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Inaccurate and unverified address. 
Law : The credit bureau failed to maintain proper procedures as required under FCRA 1681e ( b ). 
Story : This location is completely unknown to me and unrelated to my credit profile. Misreporting false address data can lead to mistaken identity and rejection of credit applications. 
XXXX XXXX XXXX XXXXXXXX, FL XXXX Issue : Duplicate or false address. 
Law : Under FCRA 602 ( A ), consumers must be protected from inaccurate information. 
Story : This address is also inaccurate and duplicates another wrong entry. I believe this is a result of a mixed file or error from a data furnisher that was never verified. This needs to be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX | Late Payment XXXX XXXX  Issue : This account reflects late payments that are inaccurate and not reflective of my actual payment history. 
Law : FCRA 1681s-2 requires furnishers to report accurate data.

Story : I made my payments on time, and the reported delinquency is due to internal processing errors. I contacted the lender, and they confirmed discrepancies. This misreporting unfairly damaged my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX  | Late PaymenXXXX XXXX XXXX  Issue : Unjustified late payment. 
Law : FCRA 1681i ( a ) grants me the right to dispute inaccurate info. 
Story : During the pandemic, I faced documented hardship and communicated with the creditor. I was assured there would be no late mark, yet the credit report shows otherwise. This is misleading and unjust. 
XXXXXXXX XXXX XXXX XXXX XXXX  | Late Payment XXXX XXXX  Issue : Late payment inaccurately marked. 
Law : FCRA 1681e ( b ) requires maximum accuracy. 
Story : I enrolled in a payment plan with the lender, and no late reporting should have occurred during that arrangement. The presence of this late payment undermines the agreement and misrepresents my responsibility. 
XXXX XXXX XXXX XXXX XXXX  | Late Payment XXXX XXXX Issue : Wrongful delinquency reported. 
Law : FCRA 623 ( b ) obligates furnishers to investigate disputed data. 
Story : I was in an approved deferment due to job loss when this late mark was added. This not only breaches our agreement but causes further financial harm due to the unfair drop in my credit score. 
XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Issue : Charged-off account inaccurately reported. 
Law : FCRA 1681s-2 ( a ) prohibits furnishers from reporting inaccurate info.

Story : This debt was not validated, and I requested verification multiple times with no proof provided. The account remains without documentation or validation per the FDCPA 809, making it unreportable. 
XXXX XXXXXXXX XXXX XXXX | Charge Off XXXX XXXX  Issue : Charge-off not verified or validated. 
Law : FDCPA 809 and FCRA 1681i. 
Story : Ive never received a proper validation letter. This account has no signed agreement or statement proving liability. Therefore, reporting it as a charge-off is misleading and damaging. 
XXXX XXXX| Collection Issue : Collection listed with no documentation. 
Law : FDCPA 809 requires validation. 
Story : I have no knowledge of this alleged debt, and no collection letter or notice was sent. This entry must be deleted immediately as no debt validation was ever performed. 
XXXX XXXX XXXX XXXX | Charge Off XXXX XXXX Issue : Account shows charge-off despite dispute. 
Law : FCRA 611 ( a ) requires reinvestigation. 
Story : I previously disputed this account. Despite the dispute, the data remains unchanged without any validation or response, violating my rights and misrepresenting the status of this account. 
XXXX XXXX XXXX XXXX  | Late Payment XXXX XXXX Issue : Payment reported late without basis. 
Law : FCRA 1681e ( b ).

Story : This account had a payment deferment granted due to temporary hardship. Late payment reporting goes against the agreement and is unjustified. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  | Charge Off XXXX XXXX Issue : Charge-off entry for a {$0.00} balance. 
Law : FCRA 1681s-2 ( a ) ( 1 ). 
Story : A charge-off with no balance is clearly inaccurate and misleading. Either the debt exists or it does notreporting it this way violates the law and consumer rights. 
XXXX XXXX XXXX XXXX  | Late Payment XXXX XXXX Issue : Late payment inaccurately reflected. 
Law : FCRA 1681i ( a ). 
Story : I never missed a payment on this account. This error may stem from system misreporting or improper data update by the furnisher. Ive made multiple attempts to fix it but no response was received. 
SUMMARY OF HARMS My credit score has dropped significantly due to these issues. 
I have been denied credit and opportunities due to inaccurate derogatory marks. 
I am suffering emotional distress and financial limitations due to this repeated negligence. 
Credit bureaus and data furnishers have failed to properly investigate or respond to my disputes. 
RESOLUTION REQUEST I respectfully request the CFPB to : 1. Investigate the credit bureaus ( EquifaxXXXX XXXX XXXX ) and furnishers reporting the information listed above. 
2. Compel deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries.

3. Enforce penalties for noncompliance and violation of FCRA and FDCPA.

4. Ensure accurate correction of my credit file and provide documentation of actions taken.

Company response to consumer: Closed with non-monetary relief