Consumer complaint received 2025-07-25 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:
I am submitting this formal complaint against the credit reporting agencies and data furnishers for their ongoing failure to ensure the accuracy and integrity of the data reporting on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692. My credit report contains numerous errors including incorrect addresses, inaccurate account statuses, unauthorized hard inquiries, and unvalidated debts. These items have damaged my credit score, led to denials for housing, loans, and employment, and caused emotional distress and financial harm. The following is a list of the items I am disputing and the basis of my complaint : XXXX XXXXXXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Inaccurate late payment reporting despite XXXX  balance and closed status Law : FCRA Section 623 ( a ) ( 1 ) ( A ) Duty of furnishers to report accurate data Story : This account was paid and closed, yet a late payment is still being reported. This is highly misleading and has unfairly damaged my credit score. I was denied a credit card due to this false information. I request immediate deletion of the late mark and full reinvestigation into the payment history. This false entry does not reflect my payment behavior and is hurting my financial stability. 
XXXX XXXX XXXX XXXX XXXX  Charge-Off * * Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Charge-off reported despite being paid and closed Law : FDCPA Section 809 ( b ) Debt must be validated before collection reporting Story : I was never provided proper notice of the charge-off or validation of the debt. I made efforts to resolve this account, but the charge-off status was maintained even after my payments. This entry has stopped me from obtaining car financing and housing. I am requesting deletion due to the lack of verification and improper handling of this account. 
XXXX XXXX XXXX XXXX Charge-Off * * Date Opened : XX/XX/XXXX | Balance : {$10000.00} Issue : Charge-off status reported without reflecting post-hardship settlement Law : FCRA Section 623 ( a ) ( 2 ) Furnishers must update and correct information Story : I entered into a hardship program with this lender and made payments under a negotiated settlement. Despite that, the charge-off status remains and no update was made. This misrepresentation is inaccurate and severely impacting my creditworthiness. I request a full investigation and deletion if accurate reporting can not be confirmed with documentation. 
XXXX XXXX ( Multiple Accounts ) Charge-Offs Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Issue : Duplicate and inaccurate charge-offs from the same lender Law : FCRA Section 604 ( b ), Section 607 ( b ) Accuracy and duplication violation Story : XXXX XXXX has reported the same account multiple times with different numbers, resulting in duplicate charge-offs. This has made my credit report appear much worse than reality and led to several loan denials. I believe some of these accounts are either wrongly duplicated or belong to someone else due to mixed file issues. I am demanding that these be verified individually and removed if duplicates or errors are found. 
Unauthorized Hard Inquiries Must Be Removed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : These inquiries were made without my consent or a permissible purpose Law : FCRA Section 604 ( a ) ( 3 ) Credit inquiries must be made with permissible purpose and authorization Story : I never applied for credit with many of these companies. These inquiries were made without my knowledge or consent, possibly due to fraudulent applications or mixed identity files. They are damaging my score and have no justification. I am demanding deletion of each inquiry unless the furnisher can provide evidence of a signed credit application with my information. 
All of these issues were previously disputed with the credit bureaus and the furnishers yet no meaningful correction was made many of my disputes were closed without full investigation which is a direct violation of FCRA 611 I am requesting that the CFPB take enforcement action to ensure these items are removed or corrected immediately and that the responsible furnishers and credit reporting agencies are held accountable for these unlawful and damaging reporting practices I am including supporting documents and request a full investigation and a written resolution to each item

Company response to consumer: Closed with non-monetary relief