Consumer complaint received 2025-06-05 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:
To Whom It May Concern, I am filing this formal complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by several creditors, debt collectors, and credit reporting agencies. My credit file currently contains inaccurate personal information, erroneous account statuses, and unverifiable derogatory remarks, which I have disputed previously but remain unresolved. 
Incorrect Addresses Being Reported The following addresses are being inaccurately reported on my credit file. I have never lived at these locations, and their presence suggests possible file mixing or identity confusion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are in violation of : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information I demand their immediate removal as they damage my credibility and imply identity confusion or misreporting. 
Accounts Reporting Inaccurate, Unverified, or Derogatory Information Below are the accounts that are incorrectly reporting late payments, charge-offs, and collections : 1. XXXX XXXX Account No : XXXX XXXX Date Opened : XX/XX/XXXX Issue : Inaccurate late payment reporting Violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information 15 U.S.C. 1692g ( b ) Failure to validate the debt upon request XXXX. XXXX  XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Status : Charge-Off Issue : No proper validation of the charged-off amount was provided Violation of : 15 U.S.C. 1692g Debt collector must provide verification 15 U.S.C. 1681i ( a ) Credit reporting agencies must reinvestigate disputed information XXXX. XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Duplicate reporting of account with different date and amount, may indicate account re-aging or double jeopardy Violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting duplicate or outdated derogatory info 15 U.S.C. 1692e False, deceptive, or misleading representations XXXX. XXXX  XXXX XXXX Account No : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Status : Charge-Off Issue : No documentation received validating the charge-off or terms of original account Violation of : 15 U.S.C. 1692g ( a ) Debt must be validated within 5 days of first communication XXXX. XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Issue : Late payments inaccurately reported ; I was under a COVID-related hardship or payment arrangement during that time Violation of : 15 U.S.C. 1681s-2 Furnisher 's obligation to correct and update inaccurate information CARES Act, Section 4021 Special credit reporting rules for XXXX accommodations XXXX. XXXX XXXX XXXX Account No : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Status : Collection Issue : This debt has not been validated, and there is no original contract or signed agreement provided Violation of : 15 U.S.C. 1692g Debt collector must cease collection until validation 15 U.S.C. 1681b Permissible purpose required for pulling my credit Request for Immediate Action I am requesting the following : 1. Immediate deletion of the inaccurate addresses listed above 2. Investigation and removal or correction of each account listed that is reporting incorrect, outdated, or unverifiable information 3. Full compliance with FCRA ( 15 U.S. Code 1681 ), FDCPA ( 15 U.S. Code 1692 ), and the CARES Act provisions where applicable 4. A detailed written response from each data furnisher and the consumer reporting agencies explaining how the information was verified If these matters are not resolved promptly, I am prepared to pursue further legal remedies including filing with the FTC, contacting state attorney generals, and seeking civil damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief