Consumer complaint received 2025-08-05 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 Representative, I am filing this formal complaint to bring to your attention a series of inaccurate, unverifiable, and damaging entries reported on my credit reports by several furnishers and credit reporting agencies. Despite multiple attempts to resolve these issues directly with the credit bureaus and furnishers, I have not received any resolution or proper response. These entries are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and I am now seeking XXXX help in removing them and holding the furnishers accountable. 
XXXX XXXX * * XXXX XXXX * * Issue : Inaccurate payment reporting. I have made payments on time and never received proper notification of any delinquencies.

Law : FCRA 1681s-2 requires furnishers to report accurate payment history. 
Story : Due to system errors and miscommunication, my payments were not properly credited. I have attempted to resolve this directly with the creditor without success. 
XXXX XXXX XXXX XXXX * * Collection * * Issue : Debt is duplicated and unverifiable. 
Law : FCRA 1681i, and FDCPA 809 ( b ) give me the right to request validation and demand removal of unverified debt. 
Story : This account has been listed multiple times under different names and account numbers, which is a clear indication of inaccurate reporting or portfolio mismanagement. 
XXXX XXXXXXXX * * Charge Off * * Issue : Unauthorized account, never opened or used by me. 
Law : FCRA 1681e ( b ) inaccurate information must be removed if found unverifiable.

Story : This account was reported without my knowledge or consent and has damaged my score significantly. 
XXXXXXXX XXXX XXXX XXXXXXXX * * Charge Off * * Issue : I have no affiliation with this company or any transaction with them. 
Law : FCRA 1681i mandates a reinvestigation of disputed items. 
Story : Its painful to see unfamiliar and erroneous debts haunting my profile without any just cause. 
XXXX XXXX XXXX XXXX * * Collection * * Issue : Duplicate reporting, incorrect account details. 
Law : FCRA 1681s-2 ( a ) prohibits furnishing false data. 
Story : How can the same debt be reported under different names and accounts? This confuses lenders and unfairly damages my credibility. 
XXXX XXXXXXXX * * Charge Off * * Issue : Duplicate and inaccurate. 
Law : FCRA 1681c-2 ( a ), FDCPA 809 Story : This debt has already been disputed but keeps resurfacing in different forms, leading me to believe my file is being handled recklessly. 
XXXX XXXX * * Charge Off * * Issue : Account balance and dates are inconsistent. 
Law : FCRA 1681e ( b ) accuracy in data is mandatory. 
Story : Ive received no valid statements or breakdowns, and this entry continues to hurt my credit score unjustly. 
XXXX XXXX XXXX * * Charge Off * * Issue : Duplicate to XXXX & XXXX, appears to be a recycled debt. 
Law : FCRA & FDCPA protect consumers from repetitive, inaccurate entries. 
Story : This is emotionally and financially draining to see the same debt multiple times under different labels. 
XXXX XXXX * * Charge Off * * Issue : Appears to be a duplicate to XXXXXXXX XXXX account. 
Law : Reporting the same debt under different furnishers is misleading violation of FCRA 1681s-2. 
Story : Ive never had so many duplicate entries in my life. It looks like my identity is being manipulated for profit. 
XXXX XXXX * * Collection * * Issue : Unauthorized collection amount and debt origin unknown. 
Law : FDCPA 809 ( b ) requires full validation of debt. 
Story : No proof, no original creditor letter, just a collection hurting my report. 
XXXX XXXX * * Charge Off * * Issue : Duplicate and outdated. 
Law : Inconsistent reporting violates FCRA. 
Story : This is unjustified repetition. I demand a thorough investigation. 
XXXX XXXXXXXX * * Late Payment * * Issue : Late mark added during a time of emergency. 
Law : Credit reporting must take context into account. 
Story : I lost income during that period due to a health crisis. I requested a hardship hold which was ignored. 
XXXX XXXX * * Charge Off * * Issue : Never received notice, account not recognized. 
Law : FCRA 1681c-2 identity theft protection. 
Story : This was not opened by me. It's hurting my report without my consent or signature. 
XXXX XXXX XXXXXXXX * * Collection * * Issue : Unauthorized. Never interacted with this lender. 
Law : FDCPA 807 false representation of debt is illegal. 
XXXX XXXX XXXX XXXX * * Collection * * Issue : Excessive, duplicate listings from same company under different numbers. 
Law : FCRA 1681s-2 furnishing of inaccurate information, FDCPA 807. 
Story : This looks like debt stacking same amounts, different dates, listed multiple times to destroy my credit. 
XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX High Credit : {$470.00} Collection Issue : This collection is inaccurate, unverifiable, and unvalidated under 15 U.S.C. 1692g of the FDCPA. I never received a proper debt validation notice. I have no recollection of this alleged account, and no original creditor agreement has been presented. 
Story : This item appeared without any communication or chance to resolve. It is not a debt I recognize. Reporting such collection without validation violates both FCRA and FDCPA. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX High Credit : {$490.00} Charge Off Issue : This account is inaccurate and contains errors in balance reporting and payment history. It was marked as charge-off without proper XXXX delinquency notice. 
Story : I experienced financial hardship during this period, and XXXX XXXX never offered hardship options or communication. I dispute this entry as it does not reflect a verified, fair process. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX High Credit : {$810.00} Charge Off Issue : The debt is reported with multiple inaccuracies and never validated. The account balance is inconsistent, and I have not received proper notice as required under 15 U.S.C. 1681s-2. 
Story : This charge-off is harming my credit unjustly. I never agreed to the terms or received any documentation validating the amount or origin of the debt. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$460.00} Charge Off Issue : This account is obsolete and inaccurate under FCRA 605 ( a ), as it exceeds the XXXX reporting limit or is nearing it. No validation was ever provided. 
Story : I do not remember having an account with this entity. This charge-off appeared years later and was never notified to me during the active period. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX High Credit : {$1700.00} Charge Off Issue : This charge-off is dated and partially inaccurate. It contains reporting errors regarding the high balance and terms. 
Story : I faced medical emergencies and temporary job loss during this period. This was not reflected or considered during the reporting process. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX High Credit : {$470.00} Charge Off Issue : The account was closed and reported as charge-off without proper notification or resolution offer. No hardship programs were communicated. 
Story : I reached out for assistance during COVID-related hardship but received no response. Reporting this as a charge-off while ignoring my outreach is unfair and harmful. 
XXXX XXXX XX/XX/XXXX inquiry Issue : I did not authorize this hard inquiry. It was done without my consent, violating FCRA 604 ( a ) ( 3 ). 
Story : I have never applied for credit with this company. This inquiry was not initiated by me and is damaging my score unnecessarily. 
XXXX XX/XX/XXXX inquiry Issue : Unauthorized inquiry. I never gave consent or submitted an application. 
Story : This inquiry was made without my knowledge. I demand it be removed as its lowering my credit unfairly. 
XXXX XXXX  inquiry Issue : Inquiry was unauthorized. I never initiated contact with this lender. 
Story : This entry is suspicious and suggests possible fraudulent or misused application attempts. 
XXXX XX/XX/XXXX inquiry Issue : I did not submit any application to XXXXXXXX XXXX 
Story : This appears to be an error or misuse of my identity. I want this inquiry deleted. 
XXXX XXXX XX/XX/XXXX inquiry Issue : I did not authorize a credit pull from this auto dealer. 
Story : I was shopping for a car but did not give them explicit permission to run credit. 
XXXX XXXX XXXX XX/XX/XXXX inquiry Issue : Multiple inquiries from same source without consent. 
Story : This is a duplicate and excessive pull which violates FCRA permissible purpose standards. 
XXXX XXXX XX/XX/XXXX inquiry Issue : This was not an authorized inquiry. 
Story : I had no interaction with this company, and no record exists of any permission granted. 
XXXX XXXX XX/XX/XXXX inquiry Issue : Inquiry made fraudulently or in error. 
Story : I never had dealings with XXXX XXXX and did not request credit with them.

Resolution Requested : Immediate removal of all unvalidated and inaccurate collection/charge-off accounts Deletion of all unauthorized inquiries from my credit report Enforcement action or penalty against the entities violating FCRA/FDCPA Written confirmation of investigation results and deletion status Updated copy of my credit report reflecting corrections I respectfully request the Consumer Financial Protection Bureau to investigate these violations and help me restore the accuracy and integrity of my credit file. I am suffering ongoing emotional and financial harm due to these false and misleading reports.

Company response to consumer: Closed with non-monetary relief