Consumer complaint received 2025-09-03 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 Whom It May Concern I am submitting this formal complaint because my credit report is showing inaccurate, unverifiable, and misleading information that is directly harming my creditworthiness, financial stability, and overall life. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. Despite my disputes, the credit bureaus and furnishers have failed to correct these mistakes, showing willful negligence. I am requesting immediate CFPB intervention to enforce compliance and protect my rights.

The following items are in dispute : The following addresses are being falsely linked to me. Each of these addresses represents a place I never lived, never received mail at, and never had any association with. Their reporting is a direct violation of FCRA 607 ( b ), which requires consumer reporting agencies to assure maximum possible accuracy, and FCRA 611, which requires deletion of unverifiable data once disputed. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HI XXXX This is a duplicate false Hawaii address, compounding the harm. Duplicates like this make it seem as if I lived in multiple fraudulent places. Such repeated errors clearly show that the reporting agencies have failed to maintain reasonable procedures as required by FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This is yet another false and damaging address. Having so many wrong addresses creates a mixed credit file that unfairly tarnishes my record. The presence of these addresses violates FCRA and places me in a situation where I am constantly fighting to prove my own identity. 
The psychological impact of these wrong addresses is enormous. Each time I apply for credit or housing, lenders see multiple states and addresses that I never lived at, and I am forced to explain myself. This causes stress, embarrassment, and lost opportunities. No consumer should be forced to carry the burden of errors caused by reporting agencies who are legally required to protect accuracy. 
In addition to the false addresses, the following accounts are being reported inaccurately and unfairly : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : A late payment is being reported on this account even though the balance is zero. This is misleading and false because no account with a zero balance should reflect delinquency. Reporting late payments under these circumstances is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate information, and 623 ( b ), which requires correction when information is found to be inaccurate. By reporting a late payment on a closed and zero balance account, XXXX XXXX is damaging my credit score without justification. This also violates FDCPA 807 which prohibits false representations of a debt. This false reporting has cost me loan approvals and forced me into higher interest rates unfairly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$1500.00} Issue : This account is also reported as a charge-off, but like the previous one, there is no proof of assignment, no original contract, and no validation. This is inaccurate, incomplete, and unverifiable. It violates FCRA 623 ( b ) because the furnisher has not corrected inaccurate information after disputes, and it violates FDCPA because continuing to report unverified debts is misleading. The presence of this charge-off on my file makes it extremely difficult to secure fair credit, pushing me further into financial hardship. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} Issue : Reported as a charge off, but this account is inaccurate and unverifiable. No signed contract, no validation, and no proof of legal obligation has been provided. Reporting this as a charge off without proper verification is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ), and FDCPA 809 ( a ) which requires validation of debts. Continuing to report unverifiable data is also willful noncompliance under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). This false charge off is unfairly lowering my credit score and has resulted in denials for fair credit opportunities. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$220.00} Issue : Reported with late payments, but this account is inaccurate and misleading. Furnishers are required under FCRA 623 ( b ) to correct and update inaccurate information after a dispute, yet they have failed to do so. This late payment history is unverifiable and misreported, creating a false image of delinquency. The presence of this error violates my rights under the FCRA and FDCPA, and continues to damage my financial stability.

The following hard inquiries are also being reported without proper authorization. FCRA 604 requires permissible purpose for each inquiry, and if no authorization exists, these inquiries must be deleted. Unverified inquiries harm my credit score and falsely imply that I applied for credit when I did not. 
XXXX XX/XX/XXXX XXXX False inquiry without authorization, violating FCRA 604 .

Harm Caused Because of these false reports and inquiries, my credit score has dropped significantly. I have been denied credit opportunities, subjected to higher interest rates, and suffered emotional distress and embarrassment when questioned about accounts or inquiries that I never authorized. The damages are real, ongoing, and directly caused by the failure of furnishers and credit reporting agencies to comply with federal law. 
Requested Action I am demanding that the CFPB enforce compliance with the FCRA and FDCPA, require deletion of the inaccurate charge off, late payments, and unauthorized inquiries, and hold the furnishers and bureaus accountable for failing to investigate and correct these items. These violations are unlawful and have caused significant financial and emotional harm.

Company response to consumer: Closed with non-monetary relief