Consumer complaint received 2025-07-23 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:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report that are severely impacting my financial standing and overall creditworthiness. These include wrong addresses, unauthorized inquiries, duplicate or incorrect charge-offs, collections, and late payments that violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Despite my efforts to resolve these matters, the reporting entities have failed to correct the errors or provide verification. I respectfully request a full investigation and immediate intervention. 
XXXX XXXX  XXXX XXXX XXXX, FL XXXX Issue : This address is not associated with me and has never been my place of residence Law : Under FCRA 1681e ( b ), the credit reporting agency must ensure maximum possible accuracy of information reported Story : I have never lived at this address nor have I ever conducted any financial or personal activity there. Reporting this address under my profile misrepresents my identity and has potentially contributed to fraudulent or inaccurate account linkages XXXX XXXX XXXX XXXX, FL XXXX Issue : I have never lived at or used this address in any official capacity Law : FCRA 1681e ( b ) requires all reported information to be factually correct and verified Story : This address may have been added in error or due to identity confusion. This type of reporting damages the integrity of my credit history and causes further investigation issues with lenders XXXXDOFED XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3700.00} Issue : Late payments reported during deferment or forbearance periods Law : FCRA XXXX requires furnishers to report accurately and not report incorrect delinquencies Story : During the reported period, my loan was under a federally approved deferment. Late payments should not have been reported and this misreporting is causing serious damage to my credit profile and financial standing XXXX/DOFED XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Issue : Same as above Late payments reported inaccurately during deferment Law : FCRA XXXX mandates a re-investigation of disputed items Story : XXXX failed to properly update the payment status. I was not required to make payments at the time due to financial hardship, yet they reported late payments in contradiction of federal student loan protections XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Late payments reported in error Law : Violates FCRA 1681e ( b ) and 1681s-2 Story : These late payments occurred while my account was in good standing under an Income-Based Repayment Plan ( IBR ). There was no reason to mark any payment as late, which unfairly penalized me XXXXDOFED XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Issue : Inaccurate reporting of delinquencies Law : FCRA 1681i ( a ) ( 1 ) ( A ) obligates re-investigation upon dispute Story : The status was reported as delinquent despite the account being under forbearance due to XXXX relief. Reporting late during national forbearance is not only wrong but unethical XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} Issue : Late payments during forbearance periods Law : FCRA 1681c and CARES Act protections for federal student loans Story : Payments were suspended during this time, yet my credit report reflects negative entries, likely due to internal servicing errors by XXXX XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2200.00} Issue : Same as above late payments during a non-payment period Law : FCRA 1681s-2 Story : The negative reporting is unjust and misaligned with the protections granted under federal law. These entries need to be corrected or removed immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Issue : Charged off incorrectly without adequate warning or verification Law : FCRA 1681s-2 ( a ) prohibits reporting inaccurate information knowingly Story : I attempted to resolve this account through partial payments and hardship discussions. Instead, XXXX XXXX opted to charge off the account without resolution or proper notification XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Issue : Duplicate of previous account Law : FCRA 1681i failure to ensure accurate and singular reporting Story : Reporting the same debt multiple times exaggerates my liability and misrepresents my credit standing. This must be rectified without delay XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Issue : Collection reported without prior notice Law : FDCPA 809 and FCRA 1681b Story : I was never notified of this debt prior to it appearing on my credit report. This is a violation of my right to validate the debt before it was reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Issue : Duplicate of above account Law : FCRA 1681c outdated or duplicated information must be removed Story : The same account is being reported multiple times, compounding the damage to my credit report unfairly and unjustly XXXX XX/XX/XXXX Issue : Hard inquiry not authorized by me Law : FCRA 1681b permissible purpose requirement for inquiries Story : I never applied for credit with XXXX or gave permission for this inquiry. This constitutes a violation of my rights and needs to be removed XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I never initiated a transaction with XXXX. The inquiry has negatively affected my credit score without legal grounds XXXX XX/XX/XXXX Issue : Inaccurate inquiry Law : FCRA 1681b Story : This company pulled my credit without my consent. This is a clear violation and must be deleted from my file XXXX  XX/XX/XXXX Issue : Multiple inquiries for the same date Law : FCRA 604 permissible purpose violation Story : Three inquiries were made by XXXX  XXXX on the same day, which is excessive and unjustified. I did not authorize these pulls I respectfully request that the CFPB investigate each of these entries and compel the credit bureaus and data furnishers to comply with the FCRA by correcting or deleting the inaccurate information immediately. These repeated violations have severely affected my creditworthiness and caused undue financial stress. Please take immediate action on my behalf.

Company response to consumer: Closed with non-monetary relief