Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against multiple data furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and unauthorized information on my credit report. These include wrong addresses, charge-offs, collections, late payments, and numerous unauthorized inquiries that have caused me substantial harm, including credit denials, emotional distress, and financial hardship. 
Below is a breakdown of each error that I am disputing : XXXXXXXX XXXX XXXX XXXX, NC XXXX Issue : Wrong Address Law : FCRA 1681c-1 allows consumers to dispute and block inaccurate or fraudulent data.

Story : I have never been to this state or used this address. This is an example of erroneous reporting that may be tied to identity theft. Its continued listing causes anxiety and jeopardizes my ability to secure housing. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$430.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA 809 ( b ) requires validation of debts and FCRA 1681s-2 prohibits inaccurate reporting.

Story : I never received any validation or itemized billing for this account. I was not notified of charge-off status until it was reported. The lender failed to communicate or offer resolution options, and I was not given an opportunity to dispute before damaging my credit. 
XXXX XXXX XXXX XXXX  High Balance : {$590.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA 807 prohibits the use of misleading information to collect a debt.

Story : I dispute this account as it was paid but never updated. Instead, it was listed as a charge-off with no verification sent to me. I suspect possible double-reporting or an error on the part of the furnisher. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$4600.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA 623 ( a ) ( 1 ) ( A ) forbids the furnishing of inaccurate information.

Story : This account went to charge-off during COVID-related financial hardship, and I was under forbearance. No proper notice or repayment plan was offered before it was listed negatively. This is unfair and harmful to my profile. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$850.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA 1681i grants me the right to dispute unverified entries.

Story : This account was never used by me. I suspect fraudulent use or identity theft. I have reached out multiple times without receiving any evidence or validation, yet it remains reported as a charge-off. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$4000.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA 807 ( 8 ) restricts communication and reporting of false credit information.

Story : This charge-off was never communicated and I never received a statement indicating that the account was in default. The bank failed to notify me and now it's unfairly destroying my credit score. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA 611 requires complete investigation of any disputed accounts.

Story : This account 's details were never disclosed to me. I believe this to be a fraudulent or mixed file account. No supporting records have been furnished to validate it. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ) requires furnishers to report accurately.

Story : I was told this account was in good standing, yet it was later reported with late payments. I believe this is a servicing error. The payment history is incorrect and misleading. 
SXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA XXXX requires debt XXXX to validate debt upon request. 
XXXX : This account was listed as charged off without giving me any option to dispute or pay. I was not served proper billing cycles or final balance. This error has severely harmed my ability to rebuild credit. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : CARES Act and FCRA prevent negative reporting on student loans in forbearance. 
XXXX : This payment was falsely reported during a federal forbearance period. This violates protections granted during COVID-19 and caused undue harm. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 623 and CARES Act mandate accurate reporting during protected status. 
Story : As above, this entry is false and was entered during a pause period. The servicer failed to update correctly. 
XXXX XXXX * High Balance : {$3100.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA 1681i investigation rights Story : This listing is wrong and I have disputed it before. I never received services from this agency. They have failed to prove the debt 's validity. 
XXXX XXXX XXXX * High Balance : {$470.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 807 prohibits deceptive collection tactics Story : I never received billing or explanation of this debt. The amount is unverified and I believe this listing is unlawful and false. 
Hard Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Issue : Unauthorized and unverified hard inquiries Law : FCRA 604 ( c ) ( 1 ) ( B ) ( iii ) requires written authorization for hard pulls Story : These inquiries were never authorized by me and occurred without my consent. They have harmed my credit score and made me ineligible for loans. I am concerned about identity theft and demand an immediate deletion.

ACTION REQUESTED : 1. Investigate and direct the credit bureaus and furnishers to delete all the wrong addresses from my report.

2. Directly intervene and ensure the removal of the disputed accounts listed above due to lack of verification, inaccuracy, or identity fraud.

3. Require the credit bureaus to delete all unauthorized inquiries listed above due to violation of FCRA consent requirements.

4. Ensure that all actions are fully documented and confirmed in writing with updated copies of my credit reports.

I have already attempted to dispute these items directly with the credit bureaus, but they continue to reappear or are marked as verified without proper investigation. This has caused me emotional stress, financial losses, and reputational harm. Im now requesting the CFPBs assistance in enforcing my rights and holding these companies accountable. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief