Consumer complaint received 2025-10-17 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:
To Whom It May Concern, I am submitting this formal complaint against the credit reporting agencies and furnishers of information for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and related consumer protection laws. My credit file currently contains multiple inaccuracies and unverifiable data including wrong addresses, charge-offs, and collection accounts that are not mine or are being misreported without proof or permissible purpose. These false entries have caused significant harm to my financial reputation, credit standing, and peace of mind. 
Incorrect Addresses Reported ( Identity/Address Errors ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, FL, XXXX Wrong Address These addresses are not mine and have never been associated with me. Their presence indicates possible identity confusion or unauthorized data sharing. Under FCRA Section 611 ( a ), the credit bureau must verify the accuracy of all personal information. Since no documentation can tie me to these locations, I demand their permanent removal from all credit files. Keeping inaccurate addresses can cause serious identity mix-ups and fraudulent connections, violating FCRA Section 605B which mandates correction of such misinformation. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$780.00} | Status : Charge Off I have no knowledge of this account nor did I authorize or sign for any such credit line. Reporting this as a charge-off without verified documentation violates FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2, which require data furnishers to report only accurate and verifiable information. I am requesting a full reinvestigation and proof of this debt, including the original signed agreement, payment records, and itemized statements. If verification can not be produced within 30 days, this account must be deleted immediately under FCRA 611 ( a ) ( 5 ). 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$560.00} | Status : Charge Off I have no recollection of this account being delinquent or charged off. This entry is reported falsely and damages my credit profile. Reporting inaccurate or unverifiable information violates FCRA 602 ( A ) and FDCPA 807 ( 8 ) which prohibit furnishing false credit data. I request validation of this account including the original contract, billing history, and charge-off notice. If such proof is not provided, this record must be permanently deleted to comply with the law. 
XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$210.00} | Status : Collection I dispute the validity of this collection. No written validation has been received, violating FDCPA 809 ( b ). Continuing to report a debt without proof is a direct breach of FCRA 623 ( a ) ( 3 ). I am requesting deletion unless verified with full legal documentation. 
XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$180.00} | Status : Collection This account is being reported without my consent or awareness. No contract or validation exists linking me to this debt. As per FCRA 611 ( a ) ( 1 ), unverified data must be deleted. The continued publication of false financial data is a serious violation of my rights under federal law. 
Hard Inquiries : XXXX XX/XX/XXXX I did not authorize or consent to these credit inquiries. Unlawful inquiries without permissible purpose violate FCRA 604 ( a ) ( 2 ). These must be investigated and deleted immediately as they were conducted without my knowledge or authorization, which constitutes an invasion of my privacy and a breach of consumer protection laws.

Legal Basis & Consumer Rights Violated : All the above-listed issues demonstrate ongoing noncompliance with the following provisions of federal law : FCRA 602 ( A ) : Duty to ensure fairness and accuracy in credit reporting FCRA 607 ( b ) : Obligation of maximum possible accuracy FCRA 611 ( a ) : Right to dispute and reinvestigation of inaccurate information FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition on furnishing inaccurate data FDCPA 807 ( 8 ) : Prohibition against false or misleading credit information FDCPA 809 ( a ) - ( b ) : Requirement for debt validation prior to reporting Relief Requested : I respectfully request the CFPB to conduct a thorough investigation into the following matters : 1. Removal of all inaccurate addresses listed above.

2. Deletion or correction of all unverified charge-offs and collection accounts.

3. Removal of all unauthorized credit inquiries.

4. Enforcement action against the credit bureaus and furnishers for repeated violations of the FCRA and FDCPA.

5. Written confirmation that all investigations and corrections have been completed.

Conclusion : I have suffered emotional distress, financial hardship, and reputational damage due to these false reports. I am exercising my legal rights under the FCRA and FDCPA and requesting immediate intervention by the Consumer Financial Protection Bureau to ensure my credit file is corrected and my consumer rights are fully protected.

Thank you for your prompt attention and assistance.

Company response to consumer: Closed with non-monetary relief