Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against multiple inaccuracies and violations present in my credit reports as maintained by the major credit bureaus. These errors are seriously damaging my creditworthiness and causing undue emotional, financial, and personal distress. 
Wrong Address Reported : XXXX XXXX, XXXX, LA XXXX This address is incorrect and has no connection to me. I have never resided at, conducted business from, or used this address in any capacity. 
Legal Violation : Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain reasonable procedures to assure maximum possible accuracy. Reporting an address unrelated to me is a clear violation of this requirement. 
Disputed Accounts : XXXX. XXXX FCU Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account is inaccurately reporting late payments that I dispute. I made timely payments and request a thorough investigation into payment history and supporting documentation. 
Violations : 15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputes and correct inaccurate information.

15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed information constitutes a violation. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment history is being reported inaccurately. I request full payment history validation. 
Violations : FCRA 15 U.S.C. 1681e ( b ) Reporting inaccurate late payments without proper verification is unlawful.

Failure to provide accurate reporting impacts my credit score and loan eligibility. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account has been marked as a charge-off without proper notice or validation of debt. 
Violations : FCRA 1681s-2 ( a ) Duty of furnishers to provide accurate information.

FDCPA 809 ( b ) Right to debt validation within 30 days not honored. 
15 U.S.C. 1692e ( 8 ) Reporting false credit information. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Duplicate or repeated late payments are reported for the same balance across different accounts. This is suspicious and potentially a case of duplicate reporting. 
Violations : FCRA 1681s-2 ( b ) Obligation to correct and update inaccurate information. 
FCRA 1681i ( a ) Right to dispute and reinvestigation ignored. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Appears to be the same account as above, yet listed separately. This duplication inflates my negative credit profile. 
Violations : 15 U.S.C. 1681e ( b ) Maximum possible accuracy not maintained.

15 U.S.C. 1681i ( a ) Failure to delete or consolidate duplicate accounts. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account has been charged off without any debt validation. I have not received proper notice. 
Violations : FDCPA 809 ( a ) ( 1-4 ) Failure to send required debt validation notice. 
FCRA 1681i Dispute not properly handled. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payments are being reported without my acknowledgment or validation. No notification or correspondence was provided. 
Violations : FCRA 1681e ( b ) Failure to ensure accurate and complete information.

15 U.S.C. 1681s-2 ( a ) Duty to furnishers to report truthfully and completely. 
Personal Statement : These inaccurate items are causing serious harm to my ability to access fair credit, housing, and financial opportunities. I am under mental and emotional stress due to the mishandling of my credit information. 
I demand an immediate investigation into each of the accounts and removal or correction of any unverifiable, inaccurate, duplicate, or misleading items listed above. I have exhausted the direct dispute process with the credit bureaus and furnishers, and am now seeking regulatory intervention. 
Resolution Sought : Immediate deletion or correction of all inaccurate, unverified, or duplicate accounts Removal of all late payment notations that can not be validated Correction of all false address records A written confirmation of the actions taken Civil penalties as applicable for violations of FCRA and FDCPA

Company response to consumer: Closed with non-monetary relief