Consumer complaint received 2025-06-16 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 writing to formally file a complaint regarding several inaccurate, misleading, and potentially unlawful entries being reported on my credit file. Despite previous dispute attempts, the following accounts remain unresolved and are causing me significant harm.

I believe that the involved furnishers and credit bureaus are in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below is a summary of the problematic accounts, their current statuses, and the corresponding legal issues. 
Problematic Accounts : 1. XXXX XXXX XXXX  o Account Number : # XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$0.00} o Status : Charge Off o Issue : This account is reporting a charge-off status despite showing a {$0.00} balance. This is contradictory and misleading. Under FCRA 607 ( b ), information must be accurate and complete. Continued reporting of a charge-off with no balance is misleading and injurious to my creditworthiness. 
XXXX. XXXX XXXX o Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$660.00} o Status : Charge Off o Issue : I disputed this account for inaccuracies in balance and delinquency reporting. The information continues to be reported without proper reinvestigation, violating FCRA 611 ( a ). Additionally, it may not reflect my current payment agreement and should not remain in derogatory status. 
XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) o Account Number : # XXXXXXXX XXXX XXXX  o Date Opened : XX/XX/XXXXXXXX  o Balance : {$1500.00} o Status : Collection o Issue : This debt was never validated under FDCPA 809 ( b ). I requested proper documentation showing my obligation and the amount owed, but no such evidence was provided. Reporting this unverified collection violates both FDCPA and FCRA. 
XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) o Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$920.00} o Status : Collection o Issue : This debt has been previously disputed and is still inaccurately reporting. XXXX XXXX is notorious for acquiring old debts and failing to properly verify them. Under FCRA 623 ( b ), furnishers must investigate disputes, but I received no valid response or evidence. 
XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) o Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$670.00} o Status : Collection o Issue : This debt is being reported without proof of ownership or a chain of title from XXXX to XXXX. Under FDCPA 809 ( a ) and FCRA 611 ( a ), a collector must provide validation, which I never received. 
XXXX. XXXX XXXX  o Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o Balance : {$1300.00} o Status : Charge Off o Issue : This account is reporting conflicting data across bureaus. Furthermore, I have reason to believe this account may be part of a mixed file or identity error. Under FCRA 602 ( A ), consumers are entitled to fair and accurate reporting. 
XXXX. XXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$300.00} o Status : Charge Off o Issue : This debt was disputed directly with the creditor and no verification was returned. It is being reported in violation of FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ) ( false credit reporting of a debt without verification ). 
Unauthorized/Inaccurate Inquiries : XXXX Inquiry on XX/XX/XXXXXXXX  XXXX  Inquiry on XX/XX/XXXX I do not recall authorizing these inquiries. Under FCRA 604 ( a ), a permissible purpose must exist for any credit pull. These appear to be either unauthorized or identity-theft related. 
Wrong / Fraudulent Addresses on My Report : The following addresses are not associated with me and are appearing on my credit file without consent or legal basis : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are clear violations under FCRA 602 ( a ) and 609 ( c ). Incorrect address reporting can cause mixed file errors and increases my risk of identity theft. 
Legal Violations Noted : Law Section Violation FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 611 ( a ) Failure to properly investigate disputes FCRA 623 ( a ) ( 3 ) Furnishing inaccurate info after notice of dispute FCRA 604 ( a ) Unauthorized inquiries FDCPA 809 ( b ) Failure to validate debt upon request FDCPA 807 ( 8 ) False reporting of disputed debt without disclosure Requested Resolution : 1. Immediate deletion or correction of all accounts listed above found in violation.
2. Removal of unauthorized inquiries and wrong addresses.

3. Written confirmation from credit bureaus and furnishers once updates are complete.

4. A full investigation conducted per FCRA standards and evidence of such provided to me. 
Supporting Evidence Available Upon Request : Previous dispute letters Copies of credit reports ID and proof of address Timeline of disputes and non-responses Please consider this a formal complaint and request for enforcement action. The continued misreporting is harming my credit profile and financial opportunities. I am seeking immediate corrective measures and CFPB support in ensuring the law is upheld.

Company response to consumer: Closed with non-monetary relief