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:
Dear CFPB XXXX, I am filing this complaint to formally report several inaccurate, unverifiable, and unauthorized entries on my credit report. Despite previous efforts to resolve these issues with the credit bureaus and creditors, the false reporting continues, severely damaging my credit and causing emotional and financial harm. Below I have outlined the wrong addresses, account issues, and unauthorized hard inquiries that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
WRONG ADDRESSES XXXX XXXX XXXX XXXXXXXX, FL XXXX Issue : This address is not mine and should not be listed on my credit profile Law : FCRA 1681e ( b ) Credit bureaus must maintain maximum possible accuracy Story : I have never resided at this location or had any financial connection to it. Its presence XXXX be due to data merging or misreporting, and it poses a risk of identity fraud. I respectfully demand that this be removed from all credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : This is not my residence ; invalid personal address Law : FCRA 1681i Must delete or correct unverifiable info within 30 days Story : This apartment was never occupied or linked by me in any housing, employment, or financial records. Its continued presence is an error that negatively affects my report. Remove immediately. 
ACCOUNTS WITH LATE PAYMENTS, CHARGE-OFFS, OR COLLECTIONS XXXX XXXX XXXX * * | Opened : XX/XX/XXXX | Balance : {$2000.00} * * Issue : Late payment reporting is inaccurate Law : FCRA 1681s-2 ( b ) Furnishers must correct and investigate disputes Story : I made every effort to resolve this account on time, and any late payment notation is either incorrect or based on outdated reporting. I have never received formal validation or breakdown of the delay. 
XXXX XXXX XXXXXXXX * * | Opened : XX/XX/XXXX | Balance : {$1300.00} * * Issue : Late payment misreported Law : FCRA 1681i Inaccurate entries must be corrected after dispute Story : I was not properly notified of any delinquency, and the payment history shows inconsistencies. I dispute the late reporting and demand removal. 
XXXX XXXX XXXX * * | Opened : XX/XX/XXXX | Balance : {$13000.00} * * Issue : Charged off while active dispute was ongoing Law : FCRA 623 Furnishers must ensure the accuracy and completeness of information Story : I was actively disputing and resolving a billing error when this charge-off was posted. This is unfair and improper handling of an account under dispute. 
XXXX XXXX XXXX * * | Opened : XX/XX/XXXX | Balance : {$200.00} * * Issue : Reported without proper debt validation Law : FDCPA 809 ( b ) Consumer has right to request debt validation Story : I requested proof of this debt and never received validation. Reporting it is illegal without verification. 
XXXX XXXX XXXX * * | Opened : XX/XX/XXXX | Balance : {$0.00} * * Issue : Reported as a collection despite XXXX balance Law : FCRA 1681c ( a ) ( 5 ) Zero-balance negative entries must be suppressed Story : This collection account has no debt. It is misleading to report it as derogatory. Please delete it from all reports. 
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : Inquiries not initiated or authorized by me Law : FCRA 604 ( a ) ( 3 ) Credit report access must have a permissible purpose Story : I never applied for credit with many of these companies. Some XXXX be the result of ID theft or soft pulls being misreported as hard inquiries. Please investigate and remove those without my written consent. 
SUMMARY & RELIEF REQUESTED I respectfully request the CFPB to investigate the above disputes and ensure that the credit bureaus and furnishers comply with federal laws. I am asking for : XXXX. Immediate removal of all inaccurate addresses XXXX. Correction or deletion of the disputed accounts and false late payments XXXX. Removal of all unauthorized inquiries XXXX. A full investigation and written explanation from each bureau and creditor This situation has caused me serious financial stress, credit denials, and personal hardship. I am exercising my legal rights and request your assistance in getting these matters resolved.

Company response to consumer: Closed with non-monetary relief