Consumer complaint received 2025-07-26 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:
Dear CFPB Officer, I am filing this formal complaint against multiple entities and credit reporting agencies due to the presence of incorrect addresses, fraudulent or inaccurate account reporting, and unauthorized credit inquiries on my consumer credit report. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and have caused me financial harm, emotional distress, and denials of credit and employment. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : I have never lived at this address and have no connection to it. 
Law : FCRA 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy. 
Story : This incorrect address appears to be a case of file mismerge or identity confusion, and its presence on my credit report has caused me to be denied credit and questioned during employment verifications. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : I was never associated with this residence and believe this XXXX involve identity theft or a mixed file. 
Law : FCRA 1681s-2 Information furnishers must report accurate data only.

Story : I filed an identity theft report due to this, as this address has resulted in my receiving collection notices and credit denials for accounts I did not open. 
XXXX XXXXXXXX XXXX XXXX  CHARGE OFF * * Issue : I never opened this account with XXXX. 
Law : FCRA 1681i Unverifiable information must be deleted upon dispute. 
Story : I have no knowledge of this account, never received bills or services, and now I'm receiving collection calls for something I did not authorize, causing severe emotional and financial strain. 
XXXX XXXXXXXX XXXX XXXX CHARGE OFF * * Issue : This is not my account, and I never applied for or opened a XXXX card with this number. 
Law : FCRA 1681s-2 ( a ) Data furnishers must report information accurately.

Story : I suspect identity theft may be involved. Despite contacting Citi, I have received no validation of this debt, and the charge-off is unjust and harmful to my credit score. 
XXXX XXXXXXXX XXXX XXXX LATE PAYMENT * * Issue : This account has a {$0.00} balance and should not show a late payment.

Law : FCRA 1681e ( b ) Consumer reports must be accurate and up to date.

Story : The presence of a late payment, even after the account was paid in full, creates a false impression of delinquency and caused me to be declined for a personal loan. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CHARGE OFF * * Issue : I do not recognize this debt and dispute its validity.

Law : FCRA 1681i ( a ) ( 5 ) Unverified accounts must be removed upon dispute.

Story : I never received any communication about this debt prior to it being reported as a charge-off. I now face constant calls and threats from collectors, even though I do not owe this money. 
XXXX XXXX XXXXXXXX XXXX XXXX CHARGE OFF * * Issue : I made timely payments and closed this account, yet it is listed as charged off. 
Law : FCRA 1681s-2 ( b ) Furnishers must correct and update inaccurate information.

Story : During a temporary hardship, I fell behind but paid the balance. Instead of reporting the account as resolved, XXXX XXXX reported a charge-off, damaging my score unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF * * Issue : I voluntarily surrendered the vehicle due to extreme financial hardship but am now listed with a charge-off.

Law : FCRA 1681i Consumers have the right to provide explanations and dispute unfair reporting.

Story : After a medical emergency and loss of income, I contacted XXXX XXXX XXXX to explain my situation. Despite cooperation, they repossessed the vehicle and listed it as a charge-off, which now prevents me from getting a new vehicle loan.

Request for Investigation and Resolution : I respectfully request the CFPB to : 1. Investigate and enforce the deletion of the above-listed inaccurate addresses, accounts, and inquiries from my credit file.

2. Require the data furnishers to provide documentation proving my authorization and liability, or immediately delete the accounts.

3. Require the consumer reporting agencies to correct or remove all unverifiable, inaccurate, or duplicate information.

4. Provide me with a written statement of the results of these investigations within the 30-day statutory period.

If these issues are not resolved, I am prepared to escalate this complaint and pursue legal action under FCRA 616 ( willful noncompliance ) and 617 ( negligent noncompliance ), which entitles me to statutory and punitive damages.

Thank you for your assistance in protecting consumer rights and holding these companies accountable.

Company response to consumer: Closed with non-monetary relief