Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
Dear CFPB, I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by [ Credit Bureau Name ( s ) ] and certain furnishers of information. My credit file contains numerous inaccuracies, duplicate entries, unverifiable accounts, and wrong addresses. These errors have severely damaged my credit standing, resulting in denials for credit, higher interest rates, and loss of financial opportunities. 
XXXX XXXX XXXX, XXXX, GA, XXXX Issue : Wrong Address I have never lived at this location. 
Law : FCRA 607 ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

Story : This address is not connected to me in any way I have never rented, owned, or stayed at this property, nor have I conducted any financial transactions that would justify its presence on my report. Its inclusion creates a false narrative about my residence history and exposes me to the risk of being linked to fraudulent activity. Creditors seeing this may suspect instability or identity theft, directly damaging my credibility. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA, XXXX Issue : Wrong Address Unrelated to my personal history. 
Law : FCRA 605B & 607 ( b ) Prohibits reporting of unverifiable addresses.

Story : I have no lease agreements, utility bills, or mail records connected to this address. Yet its presence on my credit report wrongfully suggests I have lived there. This can trigger unnecessary fraud alerts and even cause lenders to deny my applications due to inconsistent identification records. Such reporting is reckless and negligent. 
XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, High Balance {$540.00} ) Issue : Charge Off Duplicate and inaccurate. 
Law : FCRA 607 ( b ) and FDCPA 807 ( 8 ) Prohibits duplicate reporting and misrepresentation.

Story : This account is listed twice on my credit file, creating the false impression that I have more defaults than I actually do. Duplicates can cause my score to drop further and unfairly portray me as a higher risk to lenders. Despite disputes, this has not been corrected, showing negligence in reinvestigation. 
XXXX XXXX XXXX XXXX  ( Duplicate Entry ) Issue : Charge Off Same account reported twice. 
Law : FDCPA 807 ( 8 ).

Story : This duplication inflates the severity of my credit profile and makes lenders believe I have an additional charged-off account. Such false reporting directly affects my ability to obtain housing, credit, and employment. 
XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance {$1300.00} ) Issue : Charge Off Disputed balance and status. 
Law : FCRA 623 ( a ) ( 1 ) ( A ).

Story : The reported balance is not accurate, and no valid proof has been provided. Reporting unverified debt is not only unlawful but also creates financial harm by inflating my debt-to-income ratio in lender assessments. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance {$0.00} ) Issue : Charge Off Inconsistent with a XXXX balance. 
Law : FCRA 607 ( b ).

Story : If the balance is {$0.00}, it can not legally be reported as charged off. This misleads lenders and tarnishes my reputation by suggesting financial irresponsibility where none exists. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance {$640.00} ) Issue : Charge Off Disputed accuracy. 
Law : FCRA 623 ( b ).

Story : I have never received proper documentation proving the legitimacy of this account. Continuing to report without proof violates the law and undermines my financial standing. 
XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, High Balance {$3000.00} ) Issue : Late Payment Payment history inaccuracies. 
Law : FCRA 607 ( b ). 
Story : Several reported late payments are factually incorrect. My records show timely payments during these periods. The false reporting lowers my score and portrays me as an unreliable borrower. 
XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance {$1000.00} ) Issue : Charge Off Unverified. 
Law : FDCPA 809 ( b ). 
Story : No supporting evidence or account statements have been provided to verify this debt. Continuing to report it is unlawful and damaging. 
XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance {$11000.00} ) Issue : Charge Off Disputed balance. 
Law : FCRA 611 ( a ).

Story : The reported balance is inflated and has never been validated. The continued reporting of inaccurate amounts is a direct violation of the FCRA. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance {$0.00} ) Issue : Charge Off Impossible status with XXXX balance. 
Law : FCRA 607 ( b ).

Story : Reporting a {$0.00} balance account as charged off is intentionally misleading and harmful to my score. 
XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, High Balance {$390.00} ) Issue : Collection No debt validation received. 
Law : FDCPA 809 ( b ).

Story : This account is reported as a collection, yet the collector has never provided proof of its legitimacy. I have repeatedly requested validation and have been ignored. This creates the false perception that I have unresolved collections and makes lenders view me as a higher risk. I have been denied credit cards and even a rental application due to this unverified collection entry. 
Bankruptcy XXXX XXXX & XXXX XXXX Entries Issue : Multiple inaccurate, outdated, and duplicate bankruptcy listings. 
Law : FCRA 605 ( a ) Limits bankruptcy reporting to 10 years and prohibits duplication.

Story : These bankruptcies are harming me more than the law allows. Some are reported beyond the allowed time frame, while others are duplicated under slightly different docket identifiers, making it appear as if I have filed more bankruptcies than I actually have. Some entries still show as active when they were discharged years ago, which is misleading to creditors and employers. This misinformation has prevented me from securing a mortgage and caused unnecessary embarrassment during background checks. Reporting the same bankruptcy multiple times is not only inaccurate but intentionally misleading, inflating the severity of my financial history in a way that directly violates the FCRA. 
Requested Resolution : Immediate removal of all wrong addresses. 
Deletion of duplicate accounts. 
Removal of any account lacking verifiable documentation. 
Correct bankruptcy reporting to reflect only accurate, allowable entries within the legal reporting period. 
Written confirmation from the bureaus and furnishers that these corrections have been made. 
I am attaching copies of my dispute letters, credit report excerpts, and correspondence with the credit bureaus. I request the CFPB to investigate and take enforcement action for these violations of federal law. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief