Consumer complaint received 2025-07-28 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:
Dear Consumer Financial Protection Bureau, I am filing this complaint to request your urgent investigation and enforcement assistance regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal protections. I have been severely affected by inaccurate, outdated, and unverified information reported to the credit bureaus ( Equifax, Experian, and TransUnion ) which has caused emotional stress, credit denials, and personal harm. 
ADDRESSES ( Wrong/Not Mine ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : This address is not related to me. I do not know anyone who lives there and I never used this address. 
XXXX : 15 U.S.C. 1681i requires reinvestigation of disputed data. 
XXXX : This false address created a domino effect of denials. When I applied for a car loan, the underwriter flagged the address history mismatch, delaying the process and increasing my interest rate due to " risk. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Issue : Completely incorrect. I've never lived or worked here. 
XXXX : FCRA XXXX ( b ) ensures fair and accurate credit reporting. 
XXXX : This address appears to be part of someone else 's profile being wrongly associated with mine. This error caused my rental application to be declined, and I had to pay more for temporary lodging due to urgency. 
ACCOUNTS ( Late Payments, Charge-offs, Collections ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$310.00} Late Payment Issue : Inaccurate late payment ; no notice or due process. 
XXXX : FCRA XXXX allows the consumer to challenge unverifiable data. 
Story : I attempted to make payments on time, but due to a website login issue I was locked out of my account. I contacted customer service and was told there would be no negative reporting, yet this shows as late. This inconsistency has damaged my score and resulted in a loan rejection. 
XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment XXXX XXXX Issue : Account shows late payments despite arrangement for hardship. 
Law : Under the XXXX XXXX and FCRA XXXX ( a ) ( XXXX ), creditors must report accurately. 
Story : I had a formal agreement with XXXX during the pandemic to defer payments, but they still reported lates. I provided documentation but received no resolution. This error severely affected my eligibility for refinancing. 
XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX  Issue : Marked late without valid documentation. 
Law : FCRA XXXX and FDCPA XXXX ( a ) support the consumers right to dispute and validation. 
XXXX : This account was wrongly reported late during a time when I was hospitalized and had requested forbearance. They ignored my request and reported me late, ruining my score. 
XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX * * Issue : Account closed but still marked with derogatory status. 
XXXX : FCRA XXXX ( b ) requires credit data to be up-to-date and complete. 
Story : After this account was paid and closed, it continued to show as derogatory. This outdated negative mark misrepresents my creditworthiness to lenders. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX * * Issue : Inactive account still showing negative marks. 
Law : FCRA XXXX ensures fair credit practices. 
XXXX : This vehicle was returned in good condition and the account settled, yet a late mark remains. Ive lost job offers that required a clean financial history. 
CHARGEOFFS XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charge-off listed after account was settled. 
Law : FCRA XXXX and FDCPA XXXX prohibit false or misleading reporting. 
Story : I paid this account through a settlement agreement and was told it would be updated to " paid in full. '' They broke their word and charged it off, affecting my integrity and score unfairly. 
XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$110.00} * * Issue : Charge-off with no notification or validation. 
XXXX : FDCPA XXXX ( a ) requires validation of debts. 
Story : I was never made aware this account was charged off. I learned through my credit report. It reflects poorly and has caused mental stress and embarrassment when explaining it to potential lenders. 
XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1400.00} * * Issue : XXXX hardship ignored, account charged off. 
Law : XXXX XXXX, FCRA XXXX supports fair treatment during hardship. 
Story : I contacted XXXX for pandemic relief. I was told to skip payments temporarily, then later they marked me as charged off. This betrayal is unacceptable and cost me a mortgage preapproval. 
XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : No balance, yet still charged off. 
XXXX : FCRA XXXX ( b ) outdated negative data is prohibited. 
Story : Account was closed years ago and should not reflect as charge-off. It looks like I defaulted, when in reality, I paid it in full. This has caused multiple credit denials. 
XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$640.00} * * Issue : No written validation or notice before reporting charge-off. 
Law : FDCPA XXXX right to be informed and validate debts. 
XXXX : This company never sent me a statement, yet suddenly marked me as charged off. I had no time to dispute or resolve, which is a violation of my rights and an unfair burden. 
XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charged off with XXXX balance. 
XXXX : FCRA XXXX prohibits misleading derogatory entries. 
XXXX : This is false and confusing. There is no outstanding balance, yet it appears as if I abandoned the debt. This false representation is damaging. 
XXXX XXXX  XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$100.00} * * Issue : Medical bill reported without notice. 
Law : FCRA XXXX Medical Debt Policy, FDCPA XXXX Story : I never received a single bill or notice. If I had known, I wouldve paid it immediately. Instead, they attacked my credit, hurting my ability to secure an apartment. 
XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$830.00} * * Issue : Unknown and unverified debt. 
XXXX : FCRA XXXX, FDCPA XXXX Story : I dont recognize this debt and have never been contacted. No creditor name, no invoice, just damage to my report and name. Remove it immediately. 
XXXX XXXX XXXX * Opened : XX/XX/XXXX Balance : {$500.00} * * Issue : No written validation from collection agency. 
Law : FDCPA XXXX XXXX : I requested debt verification and never received it. Under law, this must be deleted if not validated. It is unjust to have this mark held against me without proof. 
XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$850.00} * * Issue : Duplicate of previous entry. 
Law : FCRA XXXX and XXXX ( b ) Story : This is a repeated entry of the same debt listed earlier. This is inflating my debt and appears as if I owe more than I actually do. This is deceitful and must be corrected. 
UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX Issue : These inquiries were never authorized by me. 
XXXX : FCRA XXXX ( a ) ( XXXX ) limits when inquiries can be made. 
Story : I never gave written permission for these hard pulls. These are harming my credit profile and giving the impression that Im seeking multiple debts, which is false. These actions violate my privacy and have dropped my score. 
FINAL REQUEST I respectfully request the Consumer Financial Protection Bureau to : XXXX. Investigate the inaccurate addresses and require their removal from all credit reporting agencies. 
XXXX. Re-investigate the accounts listed above, require original creditors or collectors to provide full documentation, or delete the unverifiable or misreported entries. 
XXXX. Remove the unauthorized hard inquiries listed above and instruct the agencies to only report inquiries initiated and authorized by me. 
XXXX. Require all CRAs and data furnishers to follow the requirements of FCRA XXXX, XXXX, XXXX, XXXX, and FDCPA XXXX. 
I have suffered severe emotional and financial harm due to these violations. I have lost housing opportunities, been denied basic credit needs, and now face higher interest rates on existing credit due to false data. 
Please take action to hold these institutions accountable and ensure fair treatment.

Company response to consumer: Closed with non-monetary relief