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: CO

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint because my credit report contains inaccurate addresses, duplicated and unverifiable accounts, and false collection entries that are negatively affecting my financial life and mental well-being. Despite attempts to dispute these with the credit reporting agencies and furnishers, they continue to appear without validation, correction, or removal. I am requesting the CFPB to investigate and enforce correction under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Wrong Address Entries XXXX XXXX XXXX XXXX, XXXX   XXXX Issue : I have never lived in XXXX XXXX, XXXX. I have no personal, residential, or financial connection to this address. The presence of this incorrect address suggests possible mixed file reporting or identity confusion. 
Law : Under FCRA 1681e ( b ), credit bureaus must ensure maximum possible accuracy. Reporting an unrelated address is a violation.

Story : This false address has created suspicion during credit verifications and resulted in the denial of an apartment lease. This is unacceptable, and I request its permanent deletion from all credit records. 
XXXX XXXX XXXX, XXXX  XXXX Issue : I have never resided at this location in XXXX, XXXX. The reporting of this address is inaccurate and confusing to potential lenders. 
Law : FCRA 1681i requires credit bureaus to remove disputed data that can not be verified.

Story : This address has been linked to accounts that do not belong to me, and it is affecting my ability to establish clean and reliable credit. 
Accounts and Charge-Offs XXXX  XXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Issue : This account is marked as charged off, yet I was never given a final warning, settlement option, or account statement to resolve it.

Law : Under FCRA 1681s-2 and FDCPA 809 ( a ), the furnisher and collector must report accurate status and validate any disputed debt.

Story : During this time, I experienced financial hardship due to medical expenses. I made multiple attempts to communicate with XXXX XXXX, but no resolution was offered, and the account was charged off without notice. 
XXXX XXXXXXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : This account was closed a long time ago, and I made payment arrangements. It was not supposed to be charged off. 
Law : Under FCRA 1681e ( b ), inaccurate status reporting is prohibited.

Story : I took the necessary steps to settle this account. This charge-off status is not only misleading but hurts my score unfairly. 
XXXX XXXX XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Issue : This account is reporting late payments within a month or two of opening, which is not possible unless theres a reporting error.

Law : FCRA 623 prohibits the reporting of inaccurate information by furnishers.

Story : Ive received no documents, cards, or access to this account. Its presence feels fraudulent or mistaken. 
XXXX XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Issue : This auto loan was voluntarily surrendered due to inability to pay after job loss. The company promised it would not be charged off.

Law : FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 misrepresentation of voluntary surrender as default. 
Story : I made responsible decisions during hardship and communicated with the lender. Its unfair that my responsible behavior is punished with a charge-off. 
XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : This account was sold and charged off with no notice. I was still making payments through a portal. 
Law : FDCPA 807 and FCRA 1681i require proper consumer notice before negative reporting.

Story : I was shocked to see this marked as charged off after following all instructions. This has harmed my credit standing severely. 
Collections and Duplicates XXXX XXXXXXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Issue : Same as above. Duplicate collection with different name variation. 
Law : FCRA 1681e ( b ) and 623 prohibit duplicate or false entries.

Story : This has created the illusion of excessive debt which is untrue. 
XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Issue : Debt settled with collector but still showing as unpaid collection.

Law : FDCPA 807 ( 2 ) ( A ) bans false status reporting.

Story : I completed a settlement arrangement. The incorrect reporting undermines my credit recovery. 
XXXX XXXX- High Balance : {$830.00} Date Opened : XX/XX/XXXX Issue : No notice, no validation. Appears without my awareness or agreement. 
Law : FDCPA 809 ( b ) and FCRA 611 require validation and consumer notice.

Story : I never received any communication before this appeared on my credit. 
XXXX XXXX XXXX XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXX Issue : Duplicate of above. 
Law : FCRA 1681i Story : This false duplicate is harming my efforts to secure a mortgage. 
XXXX XXXX XXXXXXXX High Balance : {$220.00} Date Opened : XX/XX/XXXX Issue : Unknown debt with no notice or validation. 
Law : FDCPA 809 ( a ) Story : I suspect this may be a case of identity theft or misreporting. 
XXXX XXXX XXXX  XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Issue : Appeared on my credit report without communication or bill. 
Law : FCRA 611 and FDCPA 807 Story : This entry blindsided me and dropped my score unexpectedly.

Resolution Requested I am requesting the CFPB to conduct a full investigation into these accounts and compel the credit reporting agencies and furnishers to : Delete all incorrect addresses Remove all unverifiable, inaccurate, and duplicate accounts Provide documentation for accounts they claim are valid Correct my credit file in compliance with FCRA and FDCPA Thank you for your time and attention. I am attaching a copy of my credit report highlighting the disputed entries. I request that you provide confirmation once this complaint is under review and notify me of the outcomes.

Company response to consumer: Closed with non-monetary relief