Consumer complaint received 2025-07-26 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 CFPB, I am writing to file a formal complaint against multiple furnishers and credit bureaus for the continued reporting of inaccurate, outdated, and unverified information on my credit file. Despite multiple attempts to resolve these issues directly, they have failed to take appropriate action under the Fair Credit Reporting Act ( FCRA ), specifically violating 1681e ( b ), 1681i, and 1681s-2. 
I am currently suffering severe harm to my creditworthiness due to the following inaccurate items on my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law Cited : FCRA XXXX ( b ) Details : I do not have any connection to this address. Its appearance on my credit file causes concern for possible identity confusion or inaccurate association due to reporting mistakes. 
XXXX XXXX * * Balance : {$800.00} Date Opened : XX/XX/XXXX * * DEPTEDXXXX XXXX * * Balance : {$2000.00} Date Opened : XX/XX/XXXX * * DEPTEDXXXX XXXX * * Balance : {$5200.00} Date Opened : XX/XX/XXXX * * DEPTEDXXXX XXXXXXXX * * Balance : {$2200.00} Date Opened : XX/XX/XXXX * * Issue : Late Payments Law Cited : FCRA XXXX and XXXX Details : These entries are inaccurate and harmful. I never received any proper billing or notice for late payments. These are student loan accounts that were under deferment and forbearance at multiple times, which should have protected me from late reporting. These payments were not missed due to negligence but due to a lack of communication and internal errors within the loan servicer. Under the FCRA, furnishers must ensure accuracy and completeness of information reported. 
XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Balance : {$450.00} Date Opened : XX/XX/XXXX * * Issue : Charge-Off Law Cited : FCRA XXXX Details : This account was closed and resolved several years ago. I was led to believe the balance was settled. I never received proper follow-up or notification of charge-off. The continued reporting of this entry as a charge-off is misleading and derogatory. 
XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$1100.00} Date Opened : XX/XX/XXXX * * Issue : Charge-Off Law Cited : FCRA XXXX Details : This account was charged off during a time when I was facing extreme medical hardship and unemployment during the pandemic. I reached out for assistance but was not provided with hardship accommodations. The charge-off reporting is unjust and inaccurate, especially when I attempted to resolve it. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX * * Issue : Late Payment Law Cited : FCRA XXXX Details : This account reflects a late payment despite being paid off entirely. The late mark is incorrect and appears to be a clerical error. I have records to show timely payment on this account. This late reporting is baseless and should be corrected. 
XXXX XXXXXXXX XXXX XXXX  Balance : {$880.00} Date Opened : XX/XX/XXXX * * Issue : Charge-Off Law Cited : FCRA XXXX Details : This account was opened fraudulently. I did not authorize its creation or usage. I have contacted XXXX and filed an identity theft report. Under FCRA XXXX, I request this fraudulent account be blocked from reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$630.00} Date Opened : XX/XX/XXXX * * Issue : Collection Law Cited : FCRA XXXX ( a ) and XXXX Details : I never received a validation notice from this collector. This debt is unknown to me. Reporting this item without verification violates my right to dispute and receive proof under FDCPA and FCRA. 
Summary of Harms Caused : Loss of access to affordable credit and housing Damage to my reputation and credit score Emotional distress and time spent disputing errors Increased interest rates and loan denials due to misreported data Action Requested from CFPB : Investigate the above issues with the relevant furnishers and credit bureaus Require the deletion or correction of inaccurate addresses, accounts, and inquiries Hold furnishers accountable for violating their duty to report complete and accurate information Provide a written response with the results of your investigation

Company response to consumer: Closed with non-monetary relief