Consumer complaint received 2025-07-31 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 writing to formally lodge a complaint against the credit bureaus and several furnishers for the grossly inaccurate and damaging information being reported on my credit reports. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and have caused me severe financial and emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ISSUE : Not my residence. Never lived or associated here. 
LAW : Violates FCRAs reasonable procedures requirement under 1681e.

STORY : These false addresses not only ruin my credibility but have made me look like someone frequently moving or hiding something. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ISSUE : Wrong and unfamiliar address on my credit file.

LAW : Per 15 U.S. Code 1681g, I have the right to a correct disclosure of my file and its sources.

STORY : False address entries like this make my file appear inconsistent, unstable, and potentially fraudulent. 
XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$17000.00} * * ISSUE : This account is reporting late payments that are not accurate. I made timely payments or had hardship arrangements.

LAW : FCRA 1681s-2 prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

STORY : Due to a medical emergency during the reporting period, I had communicated with the creditor. Despite hardship documentation, the late mark was added. 
XXXX XXXX XXXX XXXXXXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$520.00} * * ISSUE : This account falsely reports a late payment.

LAW : Violates FCRA 1681s-2 ( a ) and my rights to dispute incorrect credit information.

STORY : I used this account to build credit. Reporting a late payment that did not occur defeats the purpose and unjustly penalizes me. 
XXXX XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$9000.00} * * ISSUE : This is reporting as a collection. I have no knowledge or prior notice of this debt.

LAW : FDCPA 809 ( 15 U.S.C. 1692g ) requires proper validation of debts.

STORY : I never received any communication from this agency. No validation letter was sent. This sudden appearance on my report is unlawful. 
XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$490.00} * * ISSUE : Charged off incorrectly. The account should reflect resolved or closed in good standing.

LAW : Under FCRA 1681i, I demand reinvestigation and documentation.

STORY : I paid off this account, and it was settled. The current charge-off status is outdated and incorrect. 
XXXX XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$3300.00} * * ISSUE : Unauthorized collection. No notice, communication, or original account details.

LAW : Violates FDCPA and FCRA 1681s-2 ( b ) requiring verification upon dispute.

STORY : Its emotionally disturbing to see an unfamiliar collection ruining my credit. This is degrading and baseless. 
XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Credit : {$370.00} ISSUE : Not mine. No knowledge or documentation.

LAW : FDCPA 809 ( b ) requires validation before reporting to CRAs.

STORY : Never received any contact. This sudden entry feels like identity confusion or reporting error. 
XXXX  XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$720.00} * * ISSUE : Collection reported without validation or connection to me.

LAW : Violates FDCPA 807 ( 8 ) and FCRA obligations.

STORY : I am distressed by this random report affecting my credit during job search and loan application process. 
XXXX XXXX  XXXX XXXX * * * * ISSUE : Charged off account I had closed.

LAW : Any account closed in good standing should reflect so. FCRA 1681s-2 ( a ).

STORY : I left the credit union after repaying all dues. Theyre now misreporting years later. 
XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$24000.00} * * ISSUE : Account reported as charge-off despite current payments.

LAW : Furnishers must not report inaccurately. FCRA 623.

STORY : Im still making payments. This report damages my record with no basis.

Hard Inquiries These inquiries were not authorized by me, and I never gave consent. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX ISSUE : All these inquiries appear without my knowledge or consent.

LAW : Under FCRA 604 ( c ), a consumers authorization is required for inquiries related to credit.

STORY : I never applied for credit with these businesses. These inquiries have lowered my score unfairly and made me look like a high-risk borrower.

ACTION REQUESTED FROM CFPB I respectfully request that CFPB take the following actions on my behalf : 1. Order the credit bureaus to permanently delete the false addresses listed above.

2. Require all furnishers to validate, correct, or remove the erroneous accounts, charge-offs, and collections.

3. Instruct the credit bureaus to delete all unauthorized hard inquiries.

4. Compel the furnishers and credit bureaus to provide a written confirmation of the deletions and investigation results.

5. Investigate whether these errors result from willful noncompliance or negligent credit file mixing.

Company response to consumer: Closed with non-monetary relief