Consumer complaint received 2025-06-10 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: KY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding multiple erroneous and unfair reporting practices by various credit reporting agencies and creditors that have caused me significant financial harm, damage to my creditworthiness, and personal distress.

Despite my repeated efforts to resolve these issues directly with the involved parties, I continue to see inaccurate and misleading information reported on my credit file, violating my rights under the Fair Credit Reporting Act ( FCRA ) and, in some cases, the Fair Debt Collection Practices Act ( FDCPA ).

Issues Summary : 1. Incorrect and Fraudulent Addresses Reported : The following addresses have been inaccurately associated with my credit report, none of which belong to me nor have I ever lived at these locations. This misinformation has negatively affected my credit profile and caused confusion in credit decisions : XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX CI XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX Reference XXXX Under the FCRA XXXX XXXX and XXXX, credit reporting agencies are obligated to ensure the accuracy and completeness of information in consumer reports. Reporting inaccurate addresses is a violation of these provisions and must be corrected immediately. 
XXXX. Late Payments on Account : XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} Reported with unjustified late payments Late payments have been reported without proper validation or context. These erroneous late payments violate my right to accurate credit reporting under FCRA Section 623. Improperly reporting late payments unfairly lowers my credit score and damages my financial standing. 
XXXX. Charge-offs Reported Incorrectly or Unjustly : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} All these accounts have been reported as charge-offs, some of which are either inaccurate or reflect debts that have been settled, paid, or under dispute. Charge-offs drastically impact credit scores and the ability to access future credit. 
According to FCRA Section 609 and FDCPA Section 807, I have the right to dispute any inaccurate or unverifiable information. Failure to properly verify and remove incorrect charge-offs constitutes a violation of these federal laws.

Narrative of Harm and Request for Resolution : The persistent reporting of wrong addresses, inaccurate late payments, and charge-offs has caused me severe credit damage, including higher interest rates, denial of credit, and emotional distress. The presence of these errors undermines my ability to secure loans, housing, and even employment opportunities. Despite my attempts to communicate with creditors and credit bureaus, no satisfactory corrections have been made. 
I hereby request the Consumer Financial Protection Bureau to : 1. Investigate these reporting violations thoroughly.

2. Enforce the removal or correction of all inaccurate addresses, late payments, and charge-offs on my credit reports.

3. Require all reporting entities to verify their information under FCRA Section 611.

4. Ensure that I receive updated and accurate credit reports reflecting these corrections.

5. Take necessary enforcement actions against any parties failing to comply with the law.

Attachments : Copies of my credit reports highlighting the disputed information Correspondence attempts with creditors and bureaus Proof of identity and residence I trust the CFPB will uphold its mission to protect consumers and enforce compliance with federal credit laws. I look forward to your prompt response and assistance in restoring the accuracy and fairness of my credit report.

Company response to consumer: Closed with non-monetary relief