Consumer complaint received 2025-07-29 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 CFPB Representative, I am filing this formal complaint against the credit reporting agencies and the data furnishers listed below for reporting inaccurate, unverifiable, and misleading information on my credit report. Despite my attempts to resolve these matters directly, the issues remain unresolved and continue to harm me financially, emotionally, and professionally. I am requesting that the CFPB investigate these violations and compel the furnishers and bureaus to correct or delete the following information. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : I have never lived at or been associated with this address Law : FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) Explanation : This address has appeared on my credit report without my authorization or consent. It is not and has never been my residence. Reporting this incorrect address creates confusion in my identity and violates the accuracy requirements set by the FCRA. This may indicate a case of mixed file or identity theft and is severely affecting the integrity of my report. 
XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This is a false and unrelated address Law : FCRA 609 ( a ), 611 ( a ), 602 ( a ) Explanation : This entry misrepresents my residential history and places my identity at risk. This wrong address may be linked to someone else 's file, resulting in a mixed credit file. This constitutes a direct violation of the FCRAs requirement for complete and accurate information. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Charge-Off Issue : This account is inaccurately reporting as a charge-off Law : FCRA 607 ( b ), FDCPA 809 ( b ) Explanation : This account was not properly validated and I was not notified adequately prior to the charge-off. I dispute the accuracy of this item as it does not reflect the correct account standing. I demand full validation of this account and removal of any unverified data. 
XXXX XXXX XXXX XXXX Charge-Off Issue : Incorrect reporting and lack of full verification Law : FCRA 609 ( a ) ( 1 ), FDCPA 809 ( b ) Explanation : This account was listed as charged off without fair warning or adequate communication. I have reason to believe this is either misreported or misattributed, and I was not provided with the opportunity to resolve or dispute the debt prior to this derogatory status. 
XXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX Issue : Reported without validation or consumer acknowledgment Law : FCRA 609, FDCPA 809 ( b ) Explanation : This collection account appears on my credit report with no record of prior notification or proof of debt. This violates my rights under the FCRA and FDCPA to dispute and receive proper documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off * * Issue : Reported as charged-off despite being paid or settled Law : FCRA 607 ( b ), 609 ( a ) Explanation : This account was previously resolved, yet continues to be reported inaccurately. This misreporting must be corrected immediately to reflect accurate and truthful payment status. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off * * Issue : Inaccurate charge-off reporting with balance inconsistencies Law : FCRA 607 ( b ), FDCPA 809 ( b ) Explanation : This item is being reported with incorrect details, including balance and status. I was not given an opportunity to validate or resolve the matter before the derogatory action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off * * Issue : Unfair reporting after account closure Law : FCRA 611 ( a ), 605 ( a ) Explanation : The account was closed with a payment agreement, yet it still shows as charged-off. This reporting is damaging and misleading, violating my right to fair and accurate reporting. 
XXXX XXXX XXXX XXXX XXXX  Late Payment * * Issue : Late payments reported without notice or grace period Law : FCRA 607, 609, FDCPA 809 Explanation : I dispute the validity of the late payments reported. I was not given adequate notice or communication, and this negatively affects my credit file unjustly. 
XXXX XXXXXXXX XXXX XXXX  Charge-Off * * Issue : Misrepresented as charge-off while in repayment discussion Law : FCRA 609, FDCPA 807 ( 8 ) Explanation : I was actively communicating with this lender about repayment options, and it was prematurely charged off. This is a misleading and unfair practice that does not reflect good faith effort. 
XXXX XXXX XXXX XXXX XXXXXXXX Charge-Off Issue : Account was settled but listed as charged-off Law : FCRA 609 ( a ) ( 1 ), 607 ( b ) Explanation : This account was resolved with the creditor, yet it remains reported as charged-off, which is inaccurate and misleading. This must be updated to show the accurate resolution. 
XXXX XXXXXXXXXXXX XXXX XXXX  Charge-Off * * Issue : Incorrect charge-off reporting on {$0.00} balance Law : FCRA 607 ( b ), 609 ( a ) Explanation : This account shows a {$0.00} balance but is still being reported as charged-off, which is misleading and inaccurate. It appears to be an error or outdated information. 
All of these issues have caused me significant financial damage, including denial of housing, elevated interest rates, and emotional distress. I am requesting the CFPB to take immediate action against the involved furnishers and credit reporting agencies for failing to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Please instruct the data furnishers to provide complete validation of each account or permanently delete these unverifiable and inaccurate items.

Company response to consumer: Closed with non-monetary relief