Consumer complaint received 2025-06-12 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: MO

Complaint narrative:
Dear CFPB Officer, I am writing to formally file a consumer complaint against one or more nationwide credit reporting agencies regarding serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which have caused significant harm to my credit profile and financial well-being. 
Wrong Address Entries in My Credit File : I have noticed several unauthorized, incorrect, or outdated addresses being reported on my consumer file. I have never resided at or been affiliated with the following addresses : XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, MO XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX According to FCRA Section 602 ( A ), a consumer has the right to accurate and relevant information in their credit report. Reporting these incorrect addresses creates confusion, possible identity theft implications, and jeopardizes the integrity of my credit file. These must be immediately removed from all credit reports.

Disputed Accounts ( Inaccurate, Misleading, or Duplicated ) : Below are the accounts that are inaccurately reported, outdated, or in violation of my consumer rights under FCRA and FDCPA. For each entry, I have listed the issues, the law violated, and my request for correction. 
XXXX. XXXX XXXX  XXXX Account # : XXXX * * Status : Charge-Off High Balance : {$400.00} Date Opened : XX/XX/XXXX Issue : This account is inaccurately reported as a " Charge-Off. '' I was never notified in accordance with FDCPA 809 ( a ) and this status was placed without verifying the debt.

Law Violated : FCRA 1681s-2 ( b ) ( failure to investigate ) FDCPA 1692e ( false/misleading representation ) XXXX. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Status : Late Payment High Balance : {$60.00} Date Opened : XX/XX/XXXX Issue : This is a minor tradeline being used inappropriately to suppress my score. The late mark on such a small amount appears punitive and inaccurate, and no proper notice was provided. 
Law Violated : FCRA 1681e ( b ) ( maximum possible accuracy ) FDCPA 1692d ( harassment ) XXXX. XXXX Account # : XXXX XXXX XXXX XXXX Status : Charge-Off High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : This account was resolved through return of collateral, yet it remains listed as " charged-off. '' This is materially misleading and unjustly affects my creditworthiness. 
Law Violated : FCRA 1681c ( a ) ( 4 ) ( obsolete information ) FDCPA 1692f ( unfair practices ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Status : Late Payment High Balance : {$600.00} Date Opened : XX/XX/XXXX Issue : Payment delays were directly linked to billing disputes, and the lender failed to address my complaints before reporting negatively. 
Law Violated : FCRA 611 ( failure to reinvestigate ) FDCPA 1692g ( validation of debt ) XXXX. XXXX XXXX XXXX Accounts # : XXXX XXXX XXXX ( Three Accounts ) Status : Late Payments High Balances : {$3000.00} / {$4000.00} / {$3500.00} Dates Opened : XX/XX/XXXX & XX/XX/XXXX Issue : These student loan accounts are duplicative and showing inaccurate late statuses during forbearance periods and CARES Act protection. This is federally prohibited misreporting. 
Law Violated : FCRA 1681s-2 CARES Act Section 4021 Higher Education Act provisions on deferment/forbearance reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection High Balance : {$500.00} Date Opened : XX/XX/XXXX Issue : I was never notified of this collection. Under FDCPA 809 ( a ), validation was never sent. Additionally, the amount is in dispute and should not be reported during investigation. 
Law Violated : FDCPA 809 FCRA 1681i ( failure to investigate ) XXXX. XXXX XXXX XXXX ( XXXX Accounts ) Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection High Balances : {$420.00} / {$440.00} / {$420.00} Dates Opened : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Issue : These XXXX collections from the same agency appear to be duplicate entries or improperly separated debts. No validation was provided, and the reporting appears designed to artificially harm my score. 
Law Violated : FCRA 1681i FDCPA 1692g and 1692e XXXX. XXXX XXXX XXXX Account # : XXXX XXXX XXXX Status : Collection High Balance : {$4400.00} Date Opened : XX/XX/XXXX Issue : I was not provided any collection notice as required by FDCPA 809. I have never received communication about this debt and dispute the balance in full. 
Law Violated : FDCPA 809 FCRA 1681s-2 Final Request : I am requesting that CFPB launch an investigation into the reporting and dispute handling of the credit bureaus and furnishers related to the above items. These entries are false, outdated, unvalidated, or duplicated, and their continued reporting is in violation of federal law. 
I also request : Immediate deletion or correction of all incorrect addresses A formal reinvestigation of each account listed Full documentation and responses from each data furnisher and bureau Under FCRA 15 U.S.C. 1681i ( a ), I have the right to dispute information and receive a resolution within 30 days. I am demanding full compliance, including updated and corrected reports. 
Please consider this my formal complaint and initiate the appropriate investigative and enforcement actions.

Company response to consumer: Closed with non-monetary relief