Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against several creditors, debt collectors, and credit reporting agencies for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The items listed below are being wrongfully reported to my credit report and have caused severe harm to my credit standing, reputation, and overall financial stability. 
Despite my efforts to dispute these items with the credit reporting agencies, the accounts remain unverified, inaccurate, and in some cases, completely unauthorized. I am therefore seeking your direct intervention and investigation into these matters. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address These addresses are completely false, and I have no rental, utility, or mailing history connected to them. The continued reporting of these wrong addresses is a violation of the FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy of the information they report. 
Additionally, I am disputing the following accounts due to inaccuracies and unverifiable information. Each of these items should be thoroughly reinvestigated with the data furnishers, and unless verifiable documentation with my authentic signature and agreement can be produced, they must be deleted or corrected immediately. 
XXXX XXXX Acct # XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Late Payment This account is reporting late payments that never occurred. I always paid this account on time. There is no valid evidence showing any missed or delayed payment. I demand correction of the payment history to reflect accurate on-time payments as required under FCRA 611. 
XXXX Acct # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$900.00} | Issue : Charge Off I have no record or agreement for this alleged debt. I never authorized any account with this balance, and XXXX has not provided documentation proving this is my account. This item must be deleted as unverified and inaccurate per FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Late Payment This account was never late. Any notation of delinquency is false and damaging. I request correction of the payment history to Paid As Agreed. Reporting false payment information violates FCRA 607 ( b ). 
XXXX XXXX Acct # XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$42000.00} | Issue : Charge Off I have no knowledge of this account. I never signed any documents or received any funds related to this alleged loan. This must be deleted immediately as it is fraudulent or reported in error. 
XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Issue : Collection I have never received any original contract, statement, or validation of debt from XXXX XXXX. This collection account appears to be based on unverifiable third-party data. I dispute this in its entirety. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1300.00} | Issue : Collection Duplicate or related to another XXXX  account, both of which are unverified. I have no business relationship with XXXX XXXX or any of its affiliates. These must be deleted immediately. 
XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance : {$600.00} | Issue : Collection I have no knowledge of this debt. I never authorized any account with this company. Reporting this without proper validation violates FDCPA 809 ( b ). 
XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance : {$550.00} | Issue : Collection I have no knowledge of this account and have never received any validation notice or signed agreement from this company. Reporting this account without proof of debt violates FDCPA 809 ( b ), which requires collectors to validate debts upon request. I demand immediate deletion of this unverifiable account under FCRA XXXX ( a ). 
XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance : {$3300.00} | Issue : Collection I do not recognize this debt, nor have I been provided with any validation notice as required by law. This entry was reported without my consent or any verifiable evidence of its legitimacy. Failure to validate this debt while continuing to report it violates FDCPA 809 ( b ) and FCRA 607 ( b ). I demand this account be deleted immediately. 
DETAILS OF VIOLATIONS The creditors and collection agencies listed above have : Reported false and unverifiable information to the credit bureaus, violating FCRA 607 ( b ).

Failed to provide validation of debt as required under FDCPA 809 ( b ).

Continued collection and reporting activities after disputes, violating FDCPA 807 ( 8 ) and 813.

Permitted unauthorized access to my credit report, violating FCRA 604 ( a ).

These actions have caused emotional distress, financial damage, and denial of credit opportunities. I have maintained good faith in my disputes and have provided supporting documents, but the furnishers have ignored my lawful requests. 
RELIEF REQUESTED I am requesting the CFPB to : 1. Investigate each of the above accounts and inquiries.

2. Compel the creditors and collectors to provide full validation documents, including original signed agreements and account statements.

3. Order deletion of any unverifiable or inaccurate accounts and inquiries from my credit report.

4. Impose penalties on the furnishers and data reporters for violations of federal consumer protection laws.

5. Ensure that the credit reporting agencies comply with FCRA 611 ( a ) and conduct a fair and independent reinvestigation. 
ENCLOSURES Copy of my government-issued ID Copy of a recent utility bill or proof of address Copy of disputed credit report with items highlighted Copies of prior dispute letters ( if applicable ) Thank you for your attention to this matter. I trust that the CFPB will take this complaint seriously and ensure that my consumer rights are protected under federal law. Please notify me in writing of any findings, actions, or responses from the involved parties.

Company response to consumer: Closed with explanation