Consumer complaint received 2025-08-07 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 Consumer Financial Protection Bureau, I am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
XXXX XXXX XXXX XXXX, FL XXXX ISSUE : I have never been associated with this address, and its presence indicates a critical error in identity matching. 
LAW : FCRA 602 Consumers have the right to accurate and confidential credit data. 
STORY : I was shocked to find this address listed. It has absolutely no connection to me. Its inclusion is affecting my creditworthiness and has led to unnecessary denials. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} Status : Collection ISSUE : This debt is inaccurate, possibly re-aged or duplicated. 
LAW : FCRA 609 ( a ) ( 1 ) I have the right to request full validation and the method of verification. 
STORY : I have never received any communication or validation for this debt. The amount appears inflated, and XXXX has a known reputation for reporting unverifiable debts. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Status : Charge Off XXXX XXXX ISSUE : This account is being misreported. I was not notified of any delinquency. 
LAW : FCRA 611 Failure to properly verify disputed information within 30 days requires deletion. 
STORY : This entry has no basis and has severely impacted my utility service applications. The date and amount are both questionable, and I request immediate investigation. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Status : Charge Off XXXX XXXX ISSUE : No activity yet marked as charge off. Theres no record of usage.

LAW : FCRA 607 ( b ) CRAs must verify accuracy and must not report unverifiable information. 
STORY : I never activated or used this account. This seems like an internal error or identity mix-up by the institution. 
XXXX XXXX Acct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$190.00} Status : Collection XXXX XXXX ISSUE : This debt is unrecognized and unauthorized. 
LAW : FDCPA 809 Debt collectors must provide written validation upon request. 
STORY : I have never dealt with this agency. No notice, letter, or statement was ever issued to me. This surprise collection has created barriers in my financial life. 
Inquiries All Dated XX/XX/XXXX to XX/XX/XXXX ( These inquiries occurred in bulk, without my consent, and severely damaged my credit score ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUE : Hard inquiries without permissible purpose. 
LAW : FCRA 604 ( a ) ( 3 ) Permissible purpose is required before accessing consumer credit.

STORY : These inquiries happened all within a 2-day period, suggesting possible unauthorized application or a dealer running multiple pulls without my consent. I never agreed to multiple applications or inquiries. These are reckless and damaging. 
RELIEF REQUESTED : 1. Immediate investigation and removal of inaccurate addresses 2. Full deletion of inaccurate, duplicated, and unverifiable negative accounts 3. Permanent removal of unauthorized inquiries from my credit reports 4. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief