Consumer complaint received 2025-10-16 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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against multiple credit furnishers and reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ) involving inaccurate collection accounts and unauthorized credit inquiries being reported on my consumer credit file. These items are damaging my credit reputation and causing significant distress. 
Despite never receiving validation notices or proof of authorization, the following inaccurate and unverifiable items continue to appear on my credit report : WRONG ADDRESSES ( Unverifiable Personal Information ) : According to FCRA 605 ( a ) ( 6 ) and 609 ( a ) ( 1 ), a consumer reporting agency must maintain only accurate identifying information. The following addresses are not associated with my verified identity, and I have never resided or used them in any financial, residential, or employment capacity. Reporting these false addresses violates my right to privacy and creates confusion in the verification process. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address I demand these addresses be immediately deleted from my credit profile as they are inaccurate and unverifiable under 611 ( a ) ( 1 ) ( A ). 
ACCOUNT DISPUTES ( Inaccurate and Unverified Reporting ) XXXX XXXX XXXXXXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$520.00} | Reported as : Charge Off I have no knowledge of any delinquency or charge-off related to this account. Reporting a charge-off without full validation violateXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$150.00} | Reported as : Charge Off This reporting is false and misleading. I never authorized nor defaulted on this account, and the alleged charge-off is unverified. As per FCRA XXXX ( A ), information furnished must be accurate and complete. Since this account lacks verifiable proof of ownership or delinquency, I demand complete deletion under XXXX ( a ). 
XXXX XXXX * * Date Opened : XX/XX/XXXX | Balance Owed : {$240.00} | Reported as : Charge Off I have no knowledge or record of this account ever being charged off or sent to collections. This entry appears to be unverifiable and must be deleted under 611 ( a ) ( 5 ) ( A ). Continued reporting of inaccurate information after notice of dispute will be deemed willful noncompliance under XXXX. 
XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX | Balance Owed : {$14000.00} | Reported as : Late Payment * * The late payment status reported on this account is false and misleading. I have never made any late payment under this account, and no proof of delinquency has been provided. Under FCRA 611 ( a ) ( 1 ) ( A ), I demand a full reinvestigation. Unless your investigation produces verified payment records, the late status must be corrected to Pays As Agreed. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment * * This late payment report is factually incorrect. The account shows a {$0.00} balance, which confirms that I am not delinquent. Reporting an account with no outstanding balance as late is inaccurate and violates FCRA XXXX ( b ). Please remove or correct this entry immediately to reflect an accurate payment record. 
XXXX FL XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$7800.00} | Reported as : Charge Off * * I have no knowledge of this account nor have I ever authorized or defaulted on it. The alleged charge off is unverified and unsupported by any documentation. Under FCRA 609 ( a ) ( 1 ) ( A ), I am entitled to see validation of this debt, including the original signed agreement and payment records. If you can not provide verifiable proof, this account must be deleted immediately under 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment * * This is a duplicate and inaccurate report from the same furnisher. Duplicate or inconsistent entries are prohibited under XXXX ( b ). Please delete the duplicate record and correct any false late payment status under XXXX ( a ). 
XXXX XXXX AUTO XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$11000.00} | Reported as : Charge Off * * This charge off entry is unverified and potentially the result of reporting error. I have not received any legal notice, collection correspondence, or validation proving default. Under FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( A ), furnishers must provide verifiable proof or remove this item immediately. Continued reporting without proof is a willful violation of 1681n. 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$230.00} | Reported as : Charge Off * * This account is not recognized and appears to be unverified. I have no knowledge of ever defaulting with TRAX FCU. Under FCRA 609 ( a ), please provide validation of this debt or delete it immediately under 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Charge Off * * This duplicate reporting from XXXX XXXX is inaccurate and misleading. Duplicate charge-off listings artificially damage my credit score and violate 60XXXX ( b ). Please remove this duplicate entry immediately and verify all reporting. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2700.00} | Reported as : Collection I have no record or knowledge of this alleged debt. No notice of assignment or validation has ever been received. Unless you can produce complete documentation showing my written authorization and payment history, this entry must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$19.00} | Reported as : Collection * * Even small-balance or utility-type debts require validation. No documentation or billing record has been provided. Under XXXX ( b ) and XXXX ( a ) this must be deleted for lack of verification. 
UNAUTHORIZED / EXCESSIVE HARD INQUIRIES Under FCRA XXXX ( a ) ( XXXX ), a credit inquiry is permissible only with the consumers written authorization or for a legitimate credit transaction initiated by the consumer. I have not authorized or initiated the following inquiries, and many were conducted on the same dates by multiple auto dealerships and lenders, which indicates unauthorized access and potential privacy violations under XXXX & XXXX. 

XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX WSTLAKENCM - XX/XX/XXXX TOYBRANDON - XX/XX/XXXX XXXX - XX/XX/XXXX GLOBALLEND - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX TRUIST XX/XX/XXXX These inquiries were made without my consent or direct application for credit. They constitute unauthorized access of my consumer file. I demand that all above-listed inquiries be immediately deleted from my credit report and that the CRA provide XXXX confirmation identifying which furnishers certified permissible purpose under XXXX ( f ). 
Legal Basis of My Complaint Under the Fair Credit Reporting Act, I am protected by the following rights : XXXX ( b ) CRAs must ensure maximum possible accuracy. 
XXXX ( a ) ( XXXX ) ( A ) Consumers have the right to dispute and request reinvestigation of inaccurate data. 
609 ( a ) ( 1 ) Consumers have the right to obtain verification of all data reported.

604 ( f ) No consumer report may be accessed without permissible purpose or written consent. 
Each of the above-listed items violates XXXX or more of these federal protections. These violations have caused me financial harm, credit denial, and emotional distress. 
XXXX Requested I respectfully request the CFPB to : XXXX. Investigate the actions of all the above furnishers and credit bureaus. 
2. Compel the removal of all unverified or unauthorized entries from my credit report.

3. Require documentation of validation or permissible purpose for each item.

4. Enforce compliance with FCRA 611 ( a ) ( 5 ) ( A ) requiring deletion of unverifiable data. 
Thank you for your time and for protecting consumers from inaccurate credit reporting practices. I have attached supporting documentation including my credit report excerpts highlighting the disputed items.

Company response to consumer: Closed with non-monetary relief