Consumer complaint received 2025-08-08 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 against the following credit reporting agencies and data furnishers for reporting and maintaining multiple inaccurate, unverifiable, and unauthorized accounts, addresses, and inquiries on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C 1692 et seq. ). 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Late Payment Law : Per FCRA 623 and 611, I have the right to dispute inaccurate account histories Story : This account has been marked with a late payment that I strongly dispute I have documentation that confirms payments were made on time or within grace period yet this negative mark appears unjustly this has caused rejections for rental applications and job screenings I request you verify this account with all supporting documents or immediately delete the tradeline XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$2300.00} * * Issue : Collection Law : FDCPA 809 & FCRA 611 Story : I never received notice regarding this account I never agreed to this debt nor was I given a chance to dispute it timely this debt may have been paid or settled long ago or does not belong to me at all I demand immediate validation and reinvestigation failure to do so would be considered a willful violation of consumer protection laws XXXX  XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$470.00} * * Issue : Charge Off Law : FCRA 611 Story : This charge off account is disputed I had a temporary financial hardship and was in communication with the creditor I was assured the account would be marked as resolved not charged off I request that this derogatory listing be removed as the agreement was not honored and documentation of hardship and payment attempts are available upon request XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} * * Issue : Charge Off Law : FCRA 602 ( A ) Story : This account was impacted by loss of employment during the pandemic I was in touch with the lender and asked for accommodation yet it was charged off without proper notice this has devastated my credit score and ability to rebuild financial stability I demand full review and reinvestigation under the law DISCOVERCARD XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$350.00} * * Issue : Late Payment Law : FCRA 1681i Story : This late payment is being disputed as I made a payment but the system showed an error in posting I provided proof to Discover yet they failed to correct the mistake this entry is unjust and must be removed or updated to show current status or timely payment XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$630.00} * * Issue : Charge Off Law : FCRA 623 Story : I was making regular payments but suddenly this account was charged off I never received final notice or closure documents I want this entry deleted unless full verification with account statements and payment records are provided XXXX XX/XX/XXXX Issue : Inquiry Law : FCRA 604 ( a ) Story : I never authorized this hard inquiry and it was done without permissible purpose I request deletion under FCRA provisions for unauthorized inquiries XXXX  XX/XX/XXXX Issue : Inquiry Law : FCRA 604 Story : This credit pull was made without my consent I did not apply for any service from CPS/Mail and this unauthorized inquiry is affecting my score I demand immediate deletion XXXX XX/XX/XXXX Issue : Inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I did not authorize this inquiry and have never initiated contact with this lender this violates my rights under federal law and must be removed XXXX XXXX  XX/XX/XXXX Issue : Inquiry Law : FCRA 604 Story : This company accessed my credit without my knowledge I am not affiliated with them and never consented to a credit check I demand removal Resolution Sought : I request that CFPB investigate these violations and hold the reporting agencies and furnishers accountable. I demand the following : Deletion of the inaccurate address Deletion or correction of all inaccurate account information Full investigation and removal of all unauthorized hard inquiries Furnishers to provide proper documentation and validation of debts Penalties or enforcement against violators under FCRA and FDCPA These entries have caused me significant emotional, financial, and professional harm. I have been denied credit, housing, and employment because of these wrongful and unverified entries. I request immediate attention to this matter and written confirmation of investigation results.

Company response to consumer: Closed with non-monetary relief