Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding numerous inaccuracies on my credit report that continue to damage my creditworthiness, violate my rights under the Fair Credit Reporting Act ( FCRA ), and create undue emotional, financial, and legal stress. Despite my previous dispute, these errors remain unresolved. I ask the CFPB to assist in ensuring these matters are thoroughly investigated and corrected immediately. 
XXXX XXXX XXXX, VA XXXX Wrong Address Issue : This address is not mine and has never been associated with me in any capacity. Its inclusion suggests inaccurate personal data reporting. 
Law Cited : FCRA 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy of consumer information. 
Story : I have never resided or received mail at this location. Including it misrepresents my residency history and could associate my credit file with other individuals. I have been denied rental opportunities due to inaccurate address data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments * * Issue : This account is reporting late payments I never made. I have always paid on time and can provide bank records. 
Law Cited : FCRA 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers to report data accurately and correct errors upon notice.

Story : These false late marks lowered my credit score, preventing me from getting a student loan for my childs education. It has affected me emotionally and financially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : Appears to be a duplicate or misidentified XXXX account. 
Law Cited : FCRA 1681e ( b ) Information must be accurate and not misleading.

Story : This duplicate damages my reputation, showing multiple charge-offs when I had only one account. This is misleading and has affected my ability to secure housing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments * * Issue : The late payment records do not match my transaction history. 
Law Cited : FCRA 1681i ( a ) ( 1 ) ( A ) requires reinvestigation if the consumer disputes account data.

Story : I had auto-pay set up, and my bank shows funds were available. XXXX XXXX failed to process properly. Due to this, I lost a job offer that required good credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : This account was not a charge-off but closed due to inactivity.

Law Cited : FCRA 623 ( a ) ( 5 ) requires proper reporting of closed accounts. 
Story : I was shocked to see this listed as charged off without any communication or billing. This reflects poorly on my credit even though I acted responsibly. 

XXXX XXXX ( XXXX Accounts ) All Charge Offs Issue : Multiple XXXX accounts are listed with same dates and similar balances. 
Law Cited : FCRA 1681e ( b ) prohibits duplicative and misleading reporting. 
Story : I had only one XXXX XXXX account, yet multiple accounts are shown charged off, inflating my apparent delinquency. This is deeply damaging and deceptive. 

XXXX XXXX XXXX XXXX  Late Payments * Issue : XXXX XXXX  marked my payments late even after I requested deferment, which was acknowledged but never documented properly. 
Law Cited : FCRA 1681s-2 ( b ) Upon dispute, furnishers must conduct proper investigation and correct the record.

Story : My deferment request was due to a medical emergency. Instead of help, I got late payments on my report, which continues to punish me. 

Unknown Account XXXX * * * * * * * * * XXXX XXXX : I do not recognize this debt, and there is no contact info or validation for it. 
Law Cited : FCRA 1681g mandates XXXX disclose the source of all data reported. 
Story : I never opened any such account. This appears to be identity theft or a merged file. Its presence makes me look irresponsible unfairly. 

INQUIRIES Unauthorized and Repetitive XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> Issue : I did not authorize most of these inquiries. Many are duplicated and clearly excessive, which impacts my credit score negatively. 
Law Cited : FCRA 604 ( a ) ( 3 ) Permissible purpose must exist for any inquiry ; anything beyond that is unauthorized.

Story : These hard inquiries were pulled without my consent during car shopping. Some dealers ran multiple checks without my approval. These lowered my score by over XXXX points and ruined my chances at getting a good interest rate. 

REQUEST FOR CFPB ACTION I am requesting the CFPB to take the following steps : 1. Investigate the inclusion of all incorrect addresses and have them removed from my report.

2. Require credit bureaus to delete or correct the duplicate and false accounts listed above.

3. Demand all furnishers validate or delete unverifiable collections or charge offs.

4. Ensure all unauthorized or excessive inquiries are deleted.

5. Require credit bureaus and furnishers to provide documentation verifying each item they continue to report after my dispute.

Company response to consumer: Closed with non-monetary relief