Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding multiple inaccurate, incomplete, and unverifiable accounts currently reported on my credit report by various furnishers and debt collectors. These items are in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and relevant federal protections. Despite previous attempts to dispute these items, they continue to be reported inaccurately and unfairly. 
Summary of Disputed Accounts and Legal Violations 1. XXXX Acct XXXX : XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$310.00} | Status : Charge-off * * Issue : Charge-off reported inaccurately ; disputed but not validated. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) Law Cited : Debt collectors and furnishers must report only verified and accurate information. 
XXXX. XXXX XXXX XXXX Acct XXXX : XXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$540.00} | Status : Charge-off * * Issue : Duplicate and outdated data, not updated after dispute. 
Violation : FCRA 607 ( b ) ; FDCPA 807 Law Cited : Furnishers are required to provide complete and updated information. 
3. DEPT OF EDUCATIONXXXX Acct XXXX : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$5900.00} Late Payment o Opened : XX/XX/XXXX | Balance : {$10000.00} Late Payment o Opened : XX/XX/XXXX | Balance : {$55000.00} Late Payment Issue : All accounts marked late during periods of forbearance or deferment. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ), CARES Act ( if during COVID-19 ), FDCPA 807 ( 2 ) ( A ) Law Cited : Reporting of late payments during authorized deferment is inaccurate and misleading. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge-off Violation : FCRA 623 ( a ) ( 1 ) ( A ) Law Cited : Furnishers must ensure the accuracy of the information. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge-off Violation : FCRA 607 ( b ) ; FDCPA 807 ( 8 ) Law Cited : Furnishers must not report false, outdated information. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Late payments Issue : Late payments during declared hardship period. 
Violation : FCRA 623 ( a ) ( 2 ) Law Cited : Creditors are required to update inaccurate data promptly. 
XXXX. XXXX XXXX XXXX ( Multiple Accounts ) Issue : Duplicate reporting, inaccurate balance, conflicting statuses. 
Violation : FCRA 604 ( a ) ( 3 ) ( A ) ; FDCPA 807 ( 2 ) ( A ) Law Cited : Debt can not be reported twice with different statuses. 
XXXX. XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Issue : Inaccurate charge-off and collections with unverifiable dates. 
Violation : FCRA 607 ( b ) ; FDCPA 807 ( 8 ) 9. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX Issue : Attempted collections without debt validation. 
Violation : FDCPA 809 ( b ) Law Cited : Collectors must provide debt validation upon request. 
XXXX. XXXX XXXX XXXX, XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US DEPT ED Issue : Multiple late payments and inconsistencies in balances and dates. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 807 Inaccurate Address Reporting In addition to account issues, my credit report reflects several inaccurate and unauthorized addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ... and others in XXXX XXXX XXXX XXXX XXXX ) These addresses are completely unassociated with me and indicate possible file merging or identity confusion. 
Violation : FCRA 604 ( a ) ( 3 ) ( F ), 609 ( c ) ( 2 ) ( E ) Law Cited : Every consumer has the right to dispute and remove incorrect information, including addresses. 
Relief Requested I respectfully request that the CFPB : 1. Investigate the above furnishers and CRAs for ongoing violations.

2. Direct all credit reporting agencies to delete inaccurate, unverifiable, or outdated accounts and addresses.

3. Ensure that each data furnisher either validates the debt with full documentation or removes it.

4. Impose necessary regulatory penalties for noncompliance where applicable.

These inaccuracies are significantly damaging my ability to access credit, housing, and employment, and they must be corrected without delay.

Company response to consumer: Closed with non-monetary relief