Consumer complaint received 2025-07-28 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:
To the Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies ( Equifax, XXXX, and XXXX  ) for failing to maintain accurate and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. My credit reports contain multiple incorrect addresses, derogatory account information, and unauthorized inquiries, all of which are harming my financial stability, reputation, and livelihood. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS Issue : This address is being falsely associated with my identity on my credit report. I have never resided at, used, or had any connection to this location.

Law : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies must maintain maximum accuracy and remove unverified or incorrect personal information.

Story : I have been living at my verified address for years, and this false listing is not only misleading but suggests my file may have been mixed with another consumer or tampered with due to identity misuse. I have already faced loan denials because of associated accounts tied to this wrong address, which never belonged to me. I demand full deletion of this address and an investigation into how this error occurred. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS Issue : I have no association with this address, yet it appears on my credit report.

Law : FCRA mandates accurate personal identification details under 1681e ( b ) and violations of this affect consumer rights.

Story : I do not know anyone at this address nor have I ever been connected to it. It is possible that this was added due to a data entry error or identity confusion. I have been the victim of suspected identity theft before and these false addresses may be part of that problem. This listing is jeopardizing my ability to qualify for housing and credit, and I urgently request it be deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT Issue : This mortgage account is showing a late payment despite me having communicated financial hardship and requesting assistance.

Law : The CARES Act Section 4021 and FCRA 1681s-2 ( a ) state that lenders must accurately report payment status during agreed accommodation or forbearance periods.

Story : During a documented period of hardship, I communicated with the mortgage servicer for assistance. Instead of reflecting the assistance or agreement, they marked me late, which severely damaged my credit score. I had always paid on time prior to this hardship, and the misreporting caused me to lose a housing opportunity. This is inaccurate and must be rectified immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Issue : This late payment is incorrectly reported.

Law : Under FCRA 1681s-2 ( b ) and FDCPA 809, furnishers are required to investigate disputed information and accurately update reporting.

Story : I was undergoing a medical emergency during the time of this alleged late payment. I informed the creditor of my situation and expected reasonable accommodation. Despite this, they marked me late and never updated the record. This has led to credit denials and humiliation when applying for a car loan. I urge full investigation and correction of this mark. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT Issue : The late payment reporting is incorrect due to a transaction error.

Law : FCRA 1681e ( b ) requires accuracy in all data furnished to consumer reporting agencies.

Story : The payment delay was due to XXXX XXXX own banking system outage which I documented with support tickets and emails. I made the payment on time, but their system failed to process it correctly. Yet, they reported me late, which was unfair and distressing. I have lost financial opportunities due to this misreporting. I need this removed immediately and demand compliance with federal law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGEOFF Issue : The account was marked as charged off while I was in active dispute and requesting debt validation.

Law : Under FDCPA 809 ( b ) and FCRA 1681s-2 ( a ), no negative action should be taken while an account is disputed and unvalidated.

Story : I wrote to XXXX XXXX multiple times for validation of this debt. They never responded, yet went ahead and reported the account as charged off. This feels like retaliation for asserting my consumer rights. Their actions are abusive and unlawful. This account must be deleted immediately and I want written confirmation of the reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGEOFF Issue : Fraud was reported on this account, yet it was charged off and reported against me.

Law : Under FCRA 1681m and FACTA amendments, creditors must not report fraud-related accounts negatively when notified.

Story : I reported unauthorized activity on this credit card and was told an investigation would be initiated. Instead, the account was charged off and added as derogatory to my file. I feel betrayed and punished for reporting fraud. This account does not reflect my behavior or responsibility and needs to be deleted to prevent further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGEOFF Issue : This account is being reported without proper validation and appears to be duplicated elsewhere.

Law : FDCPA 809 ( a ) requires all collectors to provide written validation of debt within 5 days of contact.

Story : I never received any letters or calls regarding this debt, and now it appears as charged off without me having the chance to verify or dispute it. It's extremely stressful and misleading. The same debt appears under different names, which is deceptive and unlawful. Please remove this entry as it is unverifiable and harming my credit file unfairly. 
XXXX INQUIRY ( XX/XX/2024 ) UNAUTHORIZED HARD INQUIRY Issue : I did not authorize this hard inquiry and never applied for credit from this entity.

Law : Under FCRA 1681b ( c ), hard inquiries require a consumer-initiated application and must have a permissible purpose.

Story : I was shocked to discover this inquiry on my credit file. I never heard of this company and did not request any credit or service that would allow them access. This may be a sign of identity fraud or improper pull. It hurt my credit score and I request immediate deletion and confirmation of removal from all bureaus.

Personal Impact : Due to these multiple inaccuracies, I have suffered : Denial of credit cards, car loans, and personal loans Rejection for rental housing Embarrassment and suspicion during job background checks Emotional distress and XXXX  over my financial security Time and money wasted trying to resolve incorrect information Despite submitting disputes to the credit bureaus, the false data remains. I am requesting the CFPB to intervene and force a full investigation into the reporting practices of the data furnishers and credit bureaus involved.

Resolution Requested : Immediate deletion of all inaccurate addresses Deletion or correction of all disputed accounts and inquiries Written confirmation from all CRAs showing the corrected credit file Civil penalties applied to any furnishers or agencies found in violation

Company response to consumer: Closed with non-monetary relief