Consumer complaint received 2025-06-24 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: NV

Complaint narrative:
I am writing to formally file a consumer complaint regarding multiple inaccurate, misleading, and unverifiable items being reported on my credit report by one or more credit reporting agencies ( XXXX Equifax, and XXXX ). These errors are severely harming my creditworthiness and are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and related consumer protection laws. 
Incorrect Personal Information XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Wrong Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Wrong Address These addresses are inaccurately associated with my profile. I have never resided at these locations. Under FCRA Section 609 ( 15 U.S.C. 1681g ), I demand these unverifiable addresses be removed immediately. 
Inaccurate Charge-Offs XXXX XXXX XXXX XXXX XXXX Charge Off * * This account is reporting a charge-off without adequate proof of validation. I never received any proper notice, and the balance has not been validated. 
Violation : FCRA 623 ( a ) ( 5 ) ; FDCPA 809 ( 15 USC 1692g ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$1000.00} Charge Off * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$1000.00} Charge Off * * Duplicate reporting from the same creditor under two different accounts is misleading and inaccurate. This practice artificially inflates my delinquency.

Violation : FCRA 607 ( b ) ; FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 807 ( 2 ) ( A ) Unverified and Inaccurate Collections XXXX XXXX XXXX XXXX XXXX Collection * * This debt has not been validated and no original documentation has been provided. I dispute the legitimacy of this account. 
Violation : FDCPA 809 ; FCRA 611 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX  No contract or signed agreement was presented to justify this collection. I am unaware of this creditor. 
Violation : FCRA 609 ( a ) ; FDCPA 807 ( 8 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection * * No verification has been provided. Continued reporting without proof is a direct violation of federal law. 
Violation : FDCPA 809 ( b ) ; FCRA 623 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection * * This account is reported in error. I have no knowledge of this account and have never received any collection letter. 
Violation : FCRA 611 ; FDCPA 807 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection * * This account was never disclosed to me prior to reporting and remains unverified. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) ; FDCPA 809 KNIGHT XXXX XXXX ( XXXX XXXX XXXX XXXX ) # XXXX Collection * * This account appears duplicative and unverifiable. No original documents were presented. 
Violation : FCRA 602 ( a ) ; FCRA 609 ( a ) ( 1 ) Late Payments Federal Student Loans ( DPT EDXXXX ) Multiple accounts under DPT EDXXXX are being reported with late payments, including : # XXXX Balance : {$950.00} # XXXX Balance : {$2500.00} # XXXX Balance : {$3300.00} # XXXX Balance : {$1200.00} # XXXX Balance : {$3300.00} # XXXX Balance : {$910.00} # XXXX Balance : {$1200.00} # XXXX Balance : {$4400.00} # XXXX Balance : {$2100.00} # XXXX Balance : {$200.00} # XXXX Balance : {$4400.00} # XXXX Balance : {$3300.00} # XXXX Balance : {$1100.00} # XXXX Balance : {$3400.00} # XXXX Balance : {$3200.00} # XXXX Balance : {$9500.00} # XXXX Balance : {$4100.00} # XXXX Balance : {$3300.00} These accounts all report late payments during periods when student loan forbearance or deferment due to the COVID-19 emergency was active. Reporting late payments during an active administrative forbearance is a direct violation of federal policy.

Violation : CARES Act 4022 ; FCRA 623 ( a ) ( 1 ) ; 15 U.S.C. 1681s-2 Relief Requested 1. Immediate removal of all inaccurate and unverifiable information listed above.

2. Complete reinvestigation in accordance with FCRA 611 ( 15 U.S.C. 1681i ).

3. Formal confirmation of deletion and a revised copy of my credit report.

4. Penalties imposed on furnishers and CRAs for failing to comply with federal law.

5. Thank you for your attention to this matter. I request swift and just action to correct the unlawful reporting and hold responsible parties accountable. I am attaching a copy of my identification, proof of current address, and a copy of the credit report highlighting the disputed items.

Company response to consumer: Closed with non-monetary relief