Consumer complaint received 2025-08-27 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 complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal protections are being violated. My credit file contains wrong addresses, inaccurate reporting, unlawful collections, late payments, and hard inquiries without permissible purpose. These errors have caused me financial harm, emotional distress, and denial of fair credit opportunities. I request immediate investigation, deletion of all inaccurate information, and corrective action against the furnishers and credit reporting agencies for failing to comply with federal law. 
Wrong Addresses ( Serious Identity Risk ) XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX, FL XXXX Wrong Address These addresses are completely wrong. I have never lived, rented, or applied for credit using these addresses. By attaching them to my file, you are linking me to strangers, which creates the appearance of possible fraud. This is a direct violation of FCRA XXXX ( b ), which requires accuracy. Having wrong addresses tied to my name increases the chance of identity theft and makes creditors doubt my stability. I have already been questioned about my identity during credit applications because of these false addresses. This is damaging not only my credit but also my personal reputation. 
Account Errors Creating Hardship XXXX  XXXX XXXX Balance {$10000.00} Date Opened XXXX XXXX, XXXX Late Payment This account is inaccurately showing late payments. I have never received proper notice of these late marks, and no creditor has produced evidence proving them accurate. These late marks are lowering my credit score and preventing me from accessing affordable housing and transportation. Under FCRA XXXX you must reinvestigate and remove unverifiable information. If you can not provide a signed contract and payment history proving every single late mark, it must be deleted immediately. 
XXXX XXXX Balance {$670.00} Date Opened XX/XX/XXXX Collection This collection account is not valid. I never received a proper debt validation letter under FDCPA XXXX ( b ), which is required by law before reporting a debt. I believe this account is either fraudulent or has been resold without proper documentation. Reporting it without proof is harming me financially and emotionally. This item is preventing me from being approved for auto loans and lowering my chances for employment background checks. Keeping such unverifiable data is willful noncompliance under federal law. 
Unauthorized / Harmful Inquiries ( Identity Theft Indicators ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry I never gave written authorization for these hard inquiries. These inquiries suggest that either my identity was used without my permission or creditors accessed my report without a permissible purpose under FCRA 604. Each of these inquiries is damaging my credit score and making it appear as if I am desperately seeking credit, when that is not true. Because of these wrong inquiries, I have faced humiliating denials in front of my family and financial hardship in daily life. These must be removed immediately as they were not authorized or permissible by law.

Summary of Harm The above errors and violations have severely harmed me by lowering my credit score, limiting my access to fair credit opportunities, and creating false impressions of my creditworthiness. FCRA 616 and 617 allow for civil liability against agencies and furnishers for negligent or willful noncompliance. FDCPA also provides remedies for unlawful collections and failure to validate debts. 
I am demanding immediate deletion of all wrong addresses, late payments, unlawful collections, and unauthorized inquiries. I request a thorough reinvestigation under FCRA XXXX and written confirmation of corrective action.

Company response to consumer: Closed with explanation