Consumer complaint received 2025-08-07 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 to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law Cited : FCRA 1681e ( b ) Story : This address is falsely being associated with my credit profile. I have no residency history or connection to this location, and its continued presence increases my risk of identity misrepresentation. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} XXXX XXXX Issue : Late Payments Law Cited : FCRA 1681s-2 Story : I had arranged a payment modification plan, yet the lender inaccurately marked my file late. This has harmed my score without justification. I request a correction or deletion based on inaccurate reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$27000.00} XXXX XXXX Issue : Late Payments Law Cited : FCRA 1681i Story : Due to temporary job loss, I missed a few payments. However, these were later resolved and brought current. The continued reporting of those late payments is misleading and punitive, and I am requesting correction or removal. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$24000.00XXXX XXXX XXXX Issue : Late Payments Law Cited : FCRA 1681e ( b ) Story : Payment history is being reported inaccurately. I requested an audit of this account with the original creditor, and the discrepancy has not been corrected. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$440.00} XXXX XXXX Issue : Collection Law Cited : FDCPA 809 ( b ), FCRA 1681i Story : I was never notified of this collection or given a chance to validate the debt. I have no record of any account that matches this. I dispute the accuracy and request validation or immediate deletion. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$590.00} XXXX XXXX  Issue : Charge Off Law Cited : FCRA 1681i Story : The account should not have reached charge-off status. I was in contact with the creditor and making consistent payments. This is a mistake and needs correction. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} XXXX XXXX Issue : Charge Off Law Cited : FCRA 1681s-2 Story : I paid this account off in full, and yet it remains charged-off on my credit. I demand removal of the negative status in line with FCRA regulations. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$550.00} XXXX XXXX Issue : Duplicate Collection Law Cited : FCRA 1681c-2 ( Reinsertion and duplication ) Story : This is a duplicate listing of a prior collection ( same amount and creditor ). Duplicate collections are misleading, inflate debt, and damage credit unfairly. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} XXXX XXXX  Issue : Charge Off Law Cited : FCRA 1681i Story : This account was settled years ago, yet it still reflects negatively as a charge-off. This is misleading and inaccurate. 
Requested Relief : I am requesting CFPB 's immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : XXXX. Delete the wrong addresses from my credit report. 
XXXX. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. 
XXXX. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed. 
XXXX. Provide evidence of proper investigation and validation from data furnishers or delete the entries. 
XXXX. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.

Company response to consumer: Closed with non-monetary relief