Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint to formally report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) committed by various data furnishers and credit reporting agencies. These violations include the reporting of wrong addresses, inaccurate charge-offs, duplicate collections, unvalidated debts, and late payments that do not reflect my actual payment history. 
XXXX XXXX XXXX, XXXX, FL XXXX ISSUE : This address is incorrect and has never been associated with me. Reporting this address damages the integrity of my credit file. 
LAW : Under the Fair Credit Reporting Act ( FCRA ) 602A, consumer reporting agencies are required to maintain accurate and complete records.

STORY : I have never lived, worked, or had any legitimate business at this address. Including it in my credit profile misleads lenders and exposes me to fraud risk. Please immediately remove this from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ISSUE : This is an unfamiliar and invalid address in my file.

LAW : Per FCRA 611, I have the right to dispute inaccurate data and request an investigation.

STORY : I have no personal, financial, or residential link to this location. Please remove this wrong address to reflect my actual credit history. 
XXXX XXXX XXXX  ( Acct : XXXX XXXX XXXX  ) * * ISSUE : Reported as a charge-off with a balance of {$19000.00}. This is inaccurate. 
LAW : FCRA 609 and FDCPA 807 prohibit furnishing incorrect and misleading data.

STORY : This account was wrongfully charged off after I requested assistance during hardship. I attempted to negotiate but was ignored. I request validation of this account and a thorough reinvestigation. Otherwise, remove it entirely. 
XXXX XXXX ( Acct : XXXX XXXX XXXX  ) * * ISSUE : Late payment reported on {$80.00} balance opened on XX/XX/year>. 
LAW : FCRA 611 requires accurate reporting and immediate correction of errors.

STORY : I paid this amount on time. A system delay caused the posting to reflect late. This unfairly impacts my credit score and must be corrected. 
XXXX XXXX ( Acct : XXXX * * ) * * ISSUE : Late payment reported for an account with {$0.00} balance. 
LAW : FCRA 605 ( b ) bars obsolete and misleading information.

STORY : This account is fully paid. Reporting it as late without balance is misleading. Kindly remove the late payment status. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) * * ISSUE : Late payment reported despite XXXX balance.

LAW : As per FCRA 607 ( b ), data must be complete and correct.

STORY : This item was settled, and I was under the impression the final payment was processed on time. This derogatory entry is unjust and should be deleted. 
XXXX ( Acct : XXXX * * ) * * ISSUE : Charge off listed with {$0.00} balance.

LAW : FCRA 609 ( a ) ( 1 ) requires full disclosure of account data upon request.

STORY : This account has been resolved. If the balance is zero, it should not reflect as a charge off. Please either correct or delete this entry. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) * * ISSUE : Reported as collection for {$680.00}.

LAW : FDCPA 809 ( b ) demands proper debt validation.

STORY : Ive never received a collection notice from this company. I request full documentation of this debt, including chain of custody and original agreement. Otherwise, remove this item immediately. 
XXXX XXXX ( Acct : XXXX XXXX XXXX ) * * ISSUE : Charge off with {$870.00} balance. 
LAW : FCRA 602 requires fair and equitable treatment.

STORY : I was on a payment arrangement that wasnt honored due to system error. The account being listed as a charge off is unfair and must be reexamined. 
XXXX ( Acct : XXXX XXXX XXXX  ) * * ISSUE : Charged off despite balance listed at {$0.00}. 
LAW : Reporting a charge off on a paid account violates FCRA 607.

STORY : I paid this off early. This charge off status is both false and damaging. 
XXXX XXXX ( Acct : XXXX ) * * ISSUE : Collection for {$750.00}. 
LAW : FCRA requires accuracy ; FDCPA requires validation before collection reporting. 
STORY : I have no record of this debt. Please investigate and provide verification. 
XXXX  XXXX ( Acct : XXXXXXXX XXXX XXXX ) * * ISSUE : Late payment showing for paid/closed account. 
LAW : FCRA 607 ( b ) data must reflect actual payment history.

STORY : I never missed a payment. This could be a reporting error. I request correction or removal. 
XXXX XXXX XXXX  ( Acct : XXXXXXXX XXXX XXXX ) * * ISSUE : Charge off reported for {$65.00}. 
LAW : FCRA 611 you must reinvestigate if disputed.

STORY : I paid this off, and the charge-off was unjustified. This entry harms my credit for a minor resolved balance. Please remove. 
XXXX ( Acct : XXXX XXXX XXXX ) * * ISSUE : Charge off for {$140.00}. 
LAW : Incomplete investigation under FCRA is a violation. 
STORY : I was making regular payments when the company closed the account suddenly. I was not notified. Please correct or delete this record. 
XXXX  ( Acct : XXXX XXXX XXXX ) * * ISSUE : Charge off for {$1700.00}. 
LAW : FDCPA 807 ( 10 ) prohibits false representation.

STORY : This company used deceptive practices and denied all attempts to resolve the debt. Please provide validation or remove the account.

Summary of Violations Inaccurate address entries ( FCRA 607, 611 ) Unverified and misreported charge-offs and collections ( FDCPA 809 ) Duplicate listings of same debts ( FDCPA 807 ) Failure to investigate disputes or provide documentation ( FCRA 611 ) False late payments and misleading zero-balance charge-offs ( FCRA 605 ) Personal Impact Due to these inaccuracies, I have been denied credit, had higher interest rates imposed, and suffered emotional stress. These entries do not reflect my true financial responsibility and were reported with negligence and without adherence to consumer protection laws.

Resolution Sought Complete reinvestigation of each disputed item Immediate removal of unverifiable, duplicate, inaccurate, or outdated entries Correction of false addresses and account statuses Written confirmation of all actions taken I urge the Consumer Financial Protection Bureau to investigate this matter seriously and enforce compliance with the law. My right to fair and accurate reporting must be protected.

Company response to consumer: Closed with non-monetary relief