Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Wrong Address Issue : Unfamiliar and incorrect location Law : FCRA XXXX ( b ) Story : I have no relationship with this address and do not want it associated with my credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Wrong Address Issue : This address is not mine and should be removed Law : FCRA 1681e ( b ) Story : False location reporting affects my ability to get accurate credit decisions and implies fraudulent activity XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX Wrong Address Issue : Misleading address Law : FCRA 1681i Story : I did not reside at this location. It should not be part of my file and misleads lenders who rely on address matching XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Issue : Account is paid but still reflects late payments Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibits furnishing inaccurate info knowingly Story : I paid this account in full and on time. Any reported late payment is a mistake and harms my history unfairly XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Issue : Debts reported by XXXX without original contract Law : FCRA 623, 1681s-2 ( b ) and FDCPA 809 Story : I never received notification or validation from XXXX XXXX XXXX I dispute this charge-off and request proper investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Issue : Debt buyer reporting without validation Law : FCRA XXXX81e ( b ), 1681i and FDCPA 809 Story : I never received a debt validation notice from XXXX. The amount seems inflated and the account date is suspicious. Please remove if not validated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection Issue : Insurance collection not properly validated Law : FCRA 1681b and FDCPA 809 Story : I was never informed of this collection, and no breakdown of the balance was ever provided. I dispute this until full validation is received XXXXXXXX XXXX XXXXXX/XX/year> Inquiry Issue : Inquiry done without application Law : FCRA 604 Story : I never applied for this card or authorized this inquiry. Please remove this entry These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief