Consumer complaint received 2025-09-17 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:
I am filing a formal complaint regarding inaccurate, misleading, and unauthorized information being reported on my credit report. These items are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
Wrong Addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Wrong Address This address is completely false and unrelated to me. The inclusion of this address on my report creates a misleading impression and has already caused unnecessary financial stress. A wrong address can signal possible identity theft, mixed files, or inaccurate credit history. I have had to spend time, effort, and money disputing things I did not create. This harms my creditworthiness and exposes me to risks I did not consent to. Under FCRA 609 ( a ) ( 1 ) I have the right to know the source of this inaccurate reporting, and under FCRA 611, I demand its deletion without delay. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address This address has no connection to me whatsoever. I never resided there, never owned or rented there, never had utilities or bills there. Including it in my report creates a false trail of identity that may confuse creditors, cause denials of credit, and affect my professional life. Reporting such an address violates the principle of maximum possible accuracy under FCRA 602 ( A ). It also increases my risk of identity theft if another person associated with this address has accounts or debts. The credit bureau is required by law to delete any personal information that can not be verified as belonging to me. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Wrong Address This address is not mine and has never been part of my history. Wrong addresses not only mislead creditors but also harm my credibility as a consumer. Inaccurate reporting makes it appear as if I have unstable residency, which can influence financial decisions like auto loans, mortgages, and credit cards. This is deeply unfair, misleading, and a violation of my rights under FCRA 611 ( a ) which requires immediate reinvestigation and correction of disputed information. This address must be deleted immediately. 
Accounts in Dispute XXXX XXXX XXXX Account XXXXXXXX XXXX Balance Owed : {$1100.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I dispute this account as it is being reported inaccurately and without proper validation. I have never been provided with original documents, contracts, or a breakdown of the alleged balance. Without proof, this reporting is unverifiable and unlawful. Furthermore, the way this account is being reported has caused major financial harm including denial of credit and higher interest rates. Under FCRA 609 ( a ) ( 1 ) I have the right to request full documentation of this account. Under FDCPA 809 ( b ) I have the right to validation of the debt. Reporting a charge off without proper evidence is a violation of FCRA 623 ( a ) ( 1 ) ( A ) which prohibits reporting information known to be inaccurate. This account has created undue hardship in my financial life, including rejection for rental applications and credit denials. Unless you can produce original signed documents proving this debt belongs to me, it must be deleted immediately. 
XXXX XXXX  Account XXXX Balance Owed : {$2200.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is being reported as a charge off, but the reporting is inconsistent and unverifiable. The dates, balance amounts, and account details do not match my records. I dispute this account because it appears to be either inaccurate, mixed with another consumers file, or improperly updated. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information that is not accurate, complete, or verifiable. The continued reporting of this account without validation violates FCRA 623 ( b ) which requires furnishers to investigate and correct disputed information. The presence of this charge off has unfairly damaged my credit, causing embarrassment and hardship in my financial and personal life. It is harming my ability to secure housing, credit, and better opportunities. If you can not provide verified and lawful documentation, then this account must be deleted immediately. 
XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is reported as a charge off, but I dispute its accuracy. I have never been provided with original signed documentation proving the legitimacy of this debt. No billing statements, contracts, or breakdown of the alleged balance have been produced. Reporting a charge off without proper validation violates FCRA 609 ( a ) ( 1 ) ( my right to original documentation ), FCRA 611 ( a ) ( duty to reinvestigate disputed items ), and FDCPA 807 ( prohibiting false representation of debt ). This account has caused real harm including credit denials, higher interest rates, and unnecessary stress. If you can not provide full proof from the original creditor, this charge off must be deleted immediately as required by law. 
XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account is inaccurately reporting late payments. I dispute this because the reporting is incomplete and misleading. The dates and payment history do not match my records, and I have never received proper validation or explanation from the creditor. Reporting late payments without full documentation violates FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information known to be inaccurate. It also violates FCRA 611 ( b ) which requires correction of disputed information. These late payment notations are damaging my credit, lowering my score, and painting a false picture of irresponsibility. In reality, I have managed my accounts responsibly, and the reporting here is misleading. This must be corrected or deleted immediately. 
Hard Inquiries in Dispute XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this inquiry. An unauthorized inquiry is a violation of my rights under FCRA 604 ( a ) ( 2 ) which requires consumer consent for credit pulls. This inquiry is damaging because it lowers my credit score and falsely suggests I sought credit I did not apply for. This is either a case of misattribution or unauthorized access to my credit file. It must be removed immediately. 
XXXX  XXXX XX/XX/XXXX XXXX ( XXXX ) This appears to be a duplicate inquiry reported for the same creditor on the same date. Duplicate inquiries are misleading, harmful, and not permissible under the law. Reporting more than one inquiry for the same credit request is inaccurate and violates the FCRA requirement of maximum possible accuracy under 1681e ( b ). This duplicate inquiry must be deleted immediately to prevent further damage to my credit profile. 
Harm and Impact These false accounts, late payments, and unauthorized inquiries have caused me significant harm including denial of credit, higher costs of borrowing, emotional distress, and reputational damage. My credit file is inaccurate and does not reflect my true financial behavior. 
Requested XXXX I am requesting that the CFPB investigate these violations and require the credit bureaus and furnishers to : XXXX. Delete the inaccurate charge off from XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX. Correct or delete the late payment reporting from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delete the unauthorized inquiry from XXXX XXXX  dated XX/XX/XXXX XXXX. Delete the unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX XXXX. Delete the duplicate inquiry from XXXX XXXX dated XX/XX/XXXX XXXX. Provide me with written confirmation of all corrections and deletions These items are in violation of my rights under the FCRA, and I am requesting immediate corrective action to restore accuracy to my credit report.

Company response to consumer: Closed with explanation