Consumer complaint received 2025-11-08 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: NY

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against the credit reporting agencies and the following creditors for inaccurate, unverified, and misleading information being reported on my credit profile. These errors have severely affected my credit score, caused me emotional distress, and hindered my ability to obtain financial stability.

Despite my previous disputes, the items listed below continue to appear on my report without any proper verification or correction, in clear violation of the Fair Credit Reporting Act ( FCRA ) specifically Sections 602, 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ). 
WRONG ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have never resided or received mail at this location. Reporting this address creates confusion about my identity and violates the accuracy standard under FCRA 607 ( b ). 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX This address is completely unrelated to me. It should be deleted immediately to maintain the accuracy and integrity of my credit report. 
ACCOUNT INACCURACIES XXXX  XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX Balance : {$0.00} Late Payment XXXX XXXX This account has been incorrectly marked as late. I have never missed or delayed payments. XXXX must provide proof of payment history or remove the late status immediately. Misreporting violates FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX  This is another incorrect late payment record. The balance is XXXX, yet the system shows delinquencies. That is false reporting and requires immediate correction. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Charge Off XXXX XXXX I have no relationship with this creditor. This account appears fraudulent or misattributed. Please provide signed documentation proving my ownership or delete it per FCRA 611 ( a ) ( 1 ). 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7700.00} Charge Off XXXX XXXX  This is a duplicate and unrecognized account. The reporting seems fabricated and inconsistent. I request deletion unless full validation is produced. 
XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Charge Off XXXX XXXX This entry does not belong to me. I have never signed or authorized any account under XXXX. Please investigate and remove it from my credit file. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} Charge Off XXXX XXXX Multiple accounts are being reported under the same creditor with similar details. This pattern is suspicious and indicates a reporting error. Verification is required under FCRA 611 ( b ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Charge Off XXXX XXXX I dispute this account in its entirety. I have no such account and no contract or record supporting it. Please delete if unverifiable. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Charge Off XXXX XXXX  This is yet another duplicate fraudulent account. The repeated appearance of the same creditor is a clear reporting violation and must be investigated. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Charge Off XXXX XXXX This account was wrongly reported as charged off. I have never defaulted or failed to pay this account. Please provide a detailed payment record and signed proof of default. If not verifiable, remove it immediately as per FCRA 611 ( c ). 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Reported as Collection XXXX XXXX I have no knowledge of this account and have never authorized or signed any agreement with XXXX XXXX. This appears to be a re-sold or fabricated collection account. Please provide complete verification, including the original creditor agreement, or remove it immediately under FCRA 611 ( a ). 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} Reported as Charge Off XXXX XXXX This account is being wrongly reported as a charge-off. I have no record of defaulting on this account and request validation with signed documents and payment history. Without proper verification, this must be deleted as inaccurate and misleading under FCRA 607 ( b ). 
XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reported as Charge Off XXXX XXXX I have no recollection or documentation of any account with XXXXXXXX XXXX XXXX. This reporting is inaccurate, and I request immediate investigation. Please provide written proof of ownership and original contract or delete this entry immediately. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment XXXX XXXX This account shows false late payments despite a XXXX balance. I have maintained timely payments, and this record violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate information. Please update it to reflect an on-time history. 
DPT EDXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment * * This record is inaccurate. I have never been late on any federal student loan. The false reporting of delinquencies misrepresents my payment behavior and must be corrected immediately. 
DPT ED/XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment * * This is another duplicate and inaccurate record under the Department of Education XXXX My payment records do not show any delinquency. Please reinvestigate and remove the late status. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment XXXX XXXX I dispute the reported late payments because I have always paid on time. No documentation supports a delinquency. Under FCRA 611 ( b ), please verify and correct the reporting. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment XXXX XXXX This reporting is inaccurate. I never missed a payment, and no valid evidence of any late history exists. This item must be corrected or deleted immediately. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment XXXX XXXX This is an additional erroneous report of late payments. I have always been current with my student loan accounts, and this entry is misleading. Please investigate and remove the inaccuracy. 
Summary of Violations and Harm The repeated presence of these inaccurate items constitutes a willful violation of the Fair Credit Reporting Act. These false accounts and late payment reports have : Lowered my credit score significantly, Prevented me from obtaining new credit and housing, Caused emotional distress and anxiety due to ongoing denials and reputational damage. 
Each creditor and bureau has failed to perform proper reinvestigation within the 30-day period as required under FCRA 611 ( a ) ( 1 ) and has continued reporting unverifiable data.

Requested Resolution I respectfully request that the CFPB enforce compliance by : XXXX. Ordering the credit bureaus to reinvestigate and delete all unverifiable accounts immediately. 
XXXX. Requiring creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Dept. of EducationXXXX ) to provide complete proof of ownership, payment history, and signed documentation. 
XXXX. Ensuring that all inaccurate late payment and charge-off records are corrected to show Paid on Time or Deleted. 
XXXX. Imposing penalties or compliance actions against entities that have failed to follow the FCRAs verification standards. 
I have attached copies of my identification and relevant credit report excerpts showing these errors. Please take this complaint seriously and ensure a full investigation is conducted. 
Thank you for your time and assistance in this matter.

Company response to consumer: Closed with non-monetary relief