Consumer complaint received 2025-08-10 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: ME

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple false, inaccurate, incomplete, and unverifiable items being reported on my credit file by several furnishers and credit reporting agencies ( CRAs ). These inaccuracies have severely impacted my creditworthiness, caused financial harm, and violated my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and CFPB regulations. 
XXXX XXXX XXXX XXXX NC XXXX Wrong Address This is not now nor has it ever been my address Reporting this address is a clear violation of FCRA 1681e ( b ) which requires reasonable procedures to assure maximum possible accuracy The presence of this false address creates a risk of mixed files and identity confusion damaging my creditworthiness I have never received any bills or correspondence at this address and its presence is entirely without permissible purpose under FCRA XXXX XXXX XXXX XXXX NC XXXX Wrong Address I have no connection to this address and never resided here This is a violation of FCRA 1681c which requires accurate personal identification information on credit reports Leaving this false address on my file jeopardizes my personal security and can lead to fraud or identity theft This is gross negligence by the reporting agency XXXX XXXX XXXX XXXX High Balance XXXX Date Opened XXXX Charge Off This account is being reported as a charge off without proper validation under FCRA 1681s-2 ( b ) and FDCPA 809 ( b ) I have never received proper verification of this alleged debt nor the original contract The reporting of a charged-off status without proof is reckless and has directly impacted my ability to secure housing and credit This is an unverified tradeline and must be deleted immediately XXXX XXXX XXXXXXXX XXXX High Balance XXXX Date Opened XXXX Late Payment These alleged late payments are inaccurate and unverifiable I have repeatedly requested full payment history under FCRA 1681i and have been denied complete documentation The furnisher has failed to maintain records as required by law and any continued reporting constitutes willful noncompliance under FCRA XXXX XXXX XXXXXXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Late Payment This account is inaccurately showing late payments despite me making payments within the agreed timeframes This violates FCRA 1681e ( b ) and FDCPA 807 ( 8 ) which prohibits reporting information that is known to be false XXXX XXXX XXXX XXXX XXXX XXXX High Balance XXXX Date Opened XXXX Late Payment Incorrect late payment marks are damaging my score The creditor has failed to produce a signed agreement or accurate records confirming the delinquency FCRA 609 ( a ) ( 1 ) grants me the right to see this information and I have been denied XXXX XXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Late Payment Inaccurate reporting of late payments without supporting evidence violates FCRA 1681i ( c ) This furnisher is continuing to report unverifiable data XXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Late Payment This is a brand new account yet being reported with a late payment which is illogical and inaccurate This is willful misconduct under FCRA 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX High Balance XXXX Date Opened XXXX Late Payment Similar to above there is no possible way a newly opened account can accurately reflect a late payment unless the reporting is in error This violates the accuracy mandate of FCRA 1681e ( b ) XXXX XXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Late Payment Unverified and unsubstantiated late payment history This tradeline must be removed for failure to validate under FDCPA 809 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX High Balance XXXX Date Opened XXXX Charge Off This charge off is being reported without proof of default or final demand letter in violation of FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 2 ) ( A ) XXXX XXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Late Payment Late payment entries are false and unsupported by documentation The furnishers refusal to investigate violates FCRA 1681s-2 ( b ) XXXX XXXX XXXXXXXX XXXX  High Balance XXXX Date Opened XXXX Late Payment This account has been wrongly marked late despite payments being current This is negligent misreporting under FCRA 607 ( b ) XXXX XXXXXXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Charge Off This account has been charged off without any validation or original billing records Continued reporting without proof is a violation of FCRA 623 ( b ) XXXX XXXX XXXX XXXX High Balance XXXX Date Opened XXXX Late Payment XXXX XXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Late Payment XXXX XXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Late Payment These three separate XXXX  accounts are reporting inaccurate late payments with no proof Furnisher has ignored all disputes which is willful noncompliance under FCRA 616 XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance XXXX Date Opened XXXX Charge Off This is a major derogatory tradeline reported without validation This is harming my ability to obtain financing and violates both FCRA and FDCPA requirements for accuracy XXXX XXXXXXXX XXXX XXXX High Balance XXXX Date Opened XXXX Collection This debt is being reported without validation letter as required by FDCPA 809 ( b ) and must be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Collection This is an unverified collection account Furnisher has failed to show chain of title proving they own or have authority to collect XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance XXXX Date Opened XXXX Collection Inaccurate reporting with no documentation proving the debt exists Unknown Account XXXX XXXX XXXX XXXX  High Balance XXXX Date Opened XXXX Collection This account is completely unknown to me I have no knowledge of any such debt and have never received any correspondence Reporting an entirely unknown account is a blatant violation of FCRA 623 ( a ) ( 1 ) ( A ) and must be removed immediately Harm Caused and Legal Demand The above errors are not isolated but part of a pattern of willful disregard for accuracy and consumer rights. These violations have : Lowered my credit score significantly.

Caused loan denials and higher interest rates.

Damaged my reputation with lenders and potential employers.

Under FCRA 616, 617, I am entitled to actual, statutory, and punitive damages for willful or negligent noncompliance. I request that the CFPB take immediate enforcement action against the furnishers and CRAs to : 1. Delete the inaccurate addresses from my credit file.

2. Remove the unverifiable and incorrect accounts.

3. Ensure full compliance with FCRA and FDCPA going forward.

Enclosures : Copies of credit reports highlighting errors Copies of dispute letters sent to CRAs and furnishers Proof of identity and current address Correspondence showing lack of proper investigation

Company response to consumer: Closed with non-monetary relief