Consumer complaint received 2025-10-27 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:
Dear CFPB, I am submitting this complaint regarding multiple inaccurate items and unauthorized activities being reported on my credit report. These inaccuracies are violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and other applicable federal consumer protection laws. Despite previous disputes, the credit bureaus and furnishers have failed to properly investigate or validate the reported information. I am requesting your assistance in ensuring full compliance with the law, complete removal of the inaccurate data, and accountability for negligent reporting practices. 

Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never lived there, not associated with my identity or credit history. Keeping it after multiple disputes violates 1681e ( b ) accuracy standards. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrect and unrelated to me. Reporting false personal identifiers violates FCRA 1681c by mixing files. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as charge off with {$0.00} balance which is contradictory and unverified. No proof of liability or contract exists ; continued reporting violates 1681i ( a ) ( 5 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Reported charge off without contract or transaction history. This inaccurate data must be removed under 1681e ( b ). 

XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Reported as collection without any debt validation. FDCPA 809 ( b ) requires validation before reporting. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} No validation or assignment proof exists. Reporting unverified data after disputes is a violation of FCRA XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Reported charge off without supporting documentation. Keeping this inaccurate record violates 1681e ( b ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Reported charge off with no proof of liability. This unverifiable entry should be deleted under 1681i ( a ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$620.00} Collection with no validation or ownership proof. Violates FDCPA 809 ( b ) and FCRA 1681s-2 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Collection entry is unverifiable and lacks supporting documentation. Violates 1681e ( b ) and must be removed. 

Each of these errors represents serious noncompliance with the FCRA, FCBA, and CFPB-enforced regulations. The repeated reporting of unverifiable information and unauthorized access to my credit file demonstrates a failure to ensure accuracy and integrity in credit reporting. I am requesting that the CFPB investigate these violations and compel all involved parties to delete the inaccurate address, charge-offs, and unauthorized inquiries from my credit reports. 
I respectfully demand accountability, immediate corrective action, and written confirmation of the results of your investigation. I have attached relevant supporting documentation and previous dispute records for your review.

Company response to consumer: Closed with non-monetary relief