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:
To Whom It May Concern this is a formal complaint filed with the Consumer Financial Protection Bureau regarding serious inaccuracies on my credit report that are causing me harm and distress the information being reported is not only outdated but also misleading and does not accurately reflect my financial conduct I am disputing the following address and accounts which are appearing on my credit report without my authorization or are being inaccurately reported despite previous attempts to correct them I am now seeking the intervention of the CFPB to enforce my rights under federal law and demand a reinvestigation and immediate correction. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address Law : FCRA 602 A states consumers have the right to privacy and accurate reporting. 
Issue : I have never resided at or been affiliated with this address, yet it appears on my credit report.

Story : This address is unfamiliar and unrelated to me and its presence has caused confusion and may lead to misattribution of account data. I request immediate deletion and reinvestigation under FCRA 611. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address Law : FCRA 607 ( b ) mandates furnishers must ensure maximum possible accuracy. 
Issue : I have no connection to this address and its inclusion is erroneous. 
Story : This address does not belong to me and may result in the mixing of files. I request its deletion and an investigation to verify the validity as per FCRA 611. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Law : FCRA 605B & 611 require accuracy and timely reinvestigation of disputed data. 
Issue : This account inaccurately shows a late payment that I dispute. 
Story : I consistently paid on time and was never notified of any delinquency. This misinformation negatively affects my creditworthiness. I request full investigation, validation, and removal of the derogatory mark if unverifiable. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Law : FCRA 607 ( b ) & 611 give consumers the right to dispute inaccurate negative entries.

Issue : The charge-off status is inaccurately assigned to this account. 
Story : This account was closed with a XXXX balance and should not have been charged off. I request you verify with the furnisher and correct or remove the item if unsubstantiated. 

XXXX XX/XX/XXXX XXXX XXXX : FCRA 604 ( a ) ( 3 ) prohibits inquiries without permissible purpose. 
Issue : This inquiry was unauthorized and conducted without my consent. 
Story : I never applied for any credit involving this lender on this date. This inquiry is damaging and must be removed immediately if no valid authorization exists. 

I am requesting the CFPB to intervene and enforce my rights under the Fair Credit Reporting Act to ensure that all disputed items above are properly investigated corrected or deleted I request documentation of the reinvestigation process and a written response confirming the final outcome of each dispute I am prepared to escalate this matter legally if the inaccuracies are not resolved in compliance with federal law.

Company response to consumer: Closed with non-monetary relief