Consumer complaint received 2025-07-31 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 to the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address Law : FCRA 605 ( b ), 609 ( c ) ( 2 ) Issue : This address is incorrect and not associated with me. 
Story : I have never resided at this location. Reporting this false address on my credit report is misleading and violates my rights to accurate reporting. I request immediate deletion from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Address Law : FCRA 605 ( b ), 609 ( c ) ( 2 ) Issue : This is not a valid address linked to my identity. 
Story : I have no connection to this address and did not authorize it to appear on my credit report. Inclusion of such inaccurate data compromises the integrity of my report. Please delete this address promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$330.00} Late Payment XXXX XXXX XXXXaw : FCRA 623 ( a ) ( 1 ) ( A ), 611 Issue : Late payment is inaccurately reported.

Story : This account shows a late payment I do not recognize. I have consistently met my obligations, and this negative mark is damaging and untrue. Please verify and remove this derogatory remark if it can not be substantiated. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment XXXX XXXX Law : FCRA 623 ( a ) ( 1 ) ( A ), 611 Issue : Duplicate or unverified late payment reported.

Story : This appears to be a duplicate or inaccurately reported account. I did not default on payments, and such false reporting is a violation of my rights. I request full removal from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Charge-off XXXX XXXX Law : FCRA 623 ( a ) ( 1 ) ( A ), 611 Issue : Duplicate or erroneous charge-off reporting.

Story : This appears to be a duplicate or incorrectly reported charge-off for the same account. This duplication misrepresents my credit history and is highly prejudicial. I request immediate deletion. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Law : FCRA 623 ( a ) ( 1 ) ( A ), 611 Issue : Late payment marked on a {$0.00} balance account. 
Story : Reporting a late payment on a {$0.00} balance account is unjustified and misleading. I believe this information is inaccurate and demand a reinvestigation under FCRA. Remove this item from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX  Law : FCRA 623 ( a ) ( 1 ) ( A ), 611 Issue : Charge-off with {$0.00} balance and questionable reporting. 
Story : This account reflects a charge-off despite showing a {$0.00} balance, which is contradictory and unfair. If the debt is resolved, there should be no negative status. I dispute this item and request full removal. 
XXXX Hard Inquiry on XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Issue : Unauthorized inquiry made without permissible purpose. 
Story : I did not authorize XXXX to access my credit on the stated date. This hard inquiry was done without my consent and is a violation of my rights. I request immediate deletion. 
I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

Company response to consumer: Closed with non-monetary relief