Consumer complaint received 2025-07-28 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:
To Whom It May Concern, I am submitting this formal complaint against multiple furnishers and consumer reporting agencies ( CRAs ) for violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and related consumer protection laws. My credit report contains serious inaccuracies including wrong addresses, misreported accounts ( charge-offs/late payments ), and unauthorized hard inquiries which I have repeatedly disputed without proper resolution. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : I have never lived at this address nor have I ever been associated with it in any legal or financial capacity.

Law : Under FCRA 1681e ( b ), consumer reporting agencies are required to report only accurate and verifiable information. 
Story : This incorrect address has appeared on my credit report without my consent. I believe this may have resulted from an identity mix-up or data entry error. Its continued presence is damaging my credibility, causing unnecessary fraud alerts and denials from lenders. It is emotionally distressing to be associated with an address I have no connection with. 
XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : Ive never lived at this address, nor authorized its inclusion.

Law : Inaccurate reporting is prohibited under FCRA 1681c.

Story : This address is entirely unfamiliar. I discovered it while reviewing my credit report after being denied a credit card. The psychological stress of repeated denialsbased on inaccurate address historyis significant and ongoing. 
XXXX XXXX XXXX XXXX XXXX  CHARGE OFF * * Issue : This account shows {$0.00} balance but is marked as charged off. 
Law : Under FCRA 1681s-2 ( b ), data furnishers must correct inaccuracies.

Story : This account was paid in full, yet it continues to damage my report by reflecting as a charge-off. It is deceptive and presents me as financially irresponsible despite my efforts to maintain good standing. This has disqualified me from auto loans and caused embarrassment during applications. 
XXXX XXXX XXXX XXXX XXXX  CHARGE OFF * * Issue : Same as above {$0.00} balance but listed as charged off.

Law : FCRA 623 requires fair and accurate reporting.

Story : After settling this account directly with the credit union, I expected it to be updated. Instead, it continues to reflect negatively. This inconsistency has hurt my ability to qualify for new accounts, despite my financial obligations being fulfilled. 
XXXX XXXXXXXX XXXX XXXX LATE PAYMENT * * Issue : I dispute this late payment as inaccurate. 
Law : Under FCRA 1681i, consumers may dispute any inaccurate item.

Story : During the reported month, I was XXXX XXXXXXXX and had made prior arrangements with XXXX. They failed to honor that agreement and reported me late, which was not only unfair but also inhumane under the circumstances. 
XXXX XXXX XXXX * * CHARGE OFF * * Issue : Account settled, reported as charged off. 
Law : FCRA 1681e ( b ) mandates current and accurate reporting.

Story : Despite resolving this with XXXX directly, the charged-off label remains. This oversight has resulted in higher interest rates and reputational damage. 
XXXX XXXX XXXXXXXX XXXX XXXX  CHARGE OFF * * Issue : Charged off after resolution.

Law : Data furnishers are obligated to maintain accuracy under FCRA 623 ( a ).

Story : After making full payment, I expected this account to reflect positively. Instead, it still says charged off, harming my score unjustly. 
XXXX XXXX ON XX/XX/XXXX Issue : Inquiry not authorized by me.

Law : Accessing a credit file without a permissible purpose is prohibited under FCRA 604 ( a ) ( 3 ).

Story : I received no notification or approval request for this inquiry. It was discovered during a monitoring alert. I did not apply for any product, making this a clear violation. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry conducted without application or permission. 
Law : FCRA 604 limits permissible purpose to actual credit transactions. 
Story : I have never engaged with XXXX XXXX. Their inquiry suggests my data may have been wrongly used or entered into their system, which is a serious privacy breach.

REQUEST FOR CFPB ACTION : I have exhausted my efforts by disputing with the CRAs and furnishers directly, yet no satisfactory resolution has been provided. These violations are ongoing, and I request the CFPB to : 1. Investigate the furnishers and CRAs for failure to maintain accurate credit reporting as required under the law 2. Order permanent deletion of all false addresses, unauthorized inquiries, and inaccurately reported account information 3. Ensure my credit reports are updated across all bureaus : XXXX XXXX and Equifax 4. Take enforcement action if repeat violations or willful negligence are discovered

Company response to consumer: Closed with non-monetary relief