Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding numerous inaccuracies and potentially unlawful reporting activities on my credit report by various furnishers and credit bureaus. These inaccuracies are negatively impacting my creditworthiness and financial wellbeing. I respectfully request the CFPB to investigate the following matters pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

1. Incorrect Address Reporting ( Violation of FCRA 1681e ( b ) ) The following addresses are being reported inaccurately on my credit report. I have never lived at these addresses and their inclusion is a clear violation of FCRAs accuracy obligations : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Violation : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy Request : Permanent removal of these addresses from all credit bureau databases. 
XXXX. XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments reported High Balance : {$2500.00} Date Opened : XX/XX/XXXX I dispute the reported late payments on this account. I was not properly notified of due dates and believe the creditor failed to provide accurate reporting in violation of FCRA. 
Violations : FCRA 1681s-2 Furnishers duty to provide accurate information FCRA 1681i Duty to reinvestigate upon dispute Request : Investigation into the late payments and removal if validation can not be produced. 
XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged-Off High Balance : {$1500.00} Date Opened : XX/XX/XXXX I dispute the charge-off status of this account. I was not provided written notice of charge-off or given options for resolution prior to reporting. 
Violations : FCRA 1681s-2 ( b ) Furnishers obligation to update and correct information FDCPA 807 Misleading representation of debt status Request : Validation of the charged-off balance, and removal if validation is not timely or verifiable. 
XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments High Balance : {$340.00} Date Opened : XX/XX/XXXX Disputing late payments as I was enrolled in a hardship plan and should not have been penalized. Reporting appears inconsistent across bureaus.

Violations : FCRA 1681s-2 Inaccurate data furnishing FDCPA 807 ( 2 ) Misrepresentation of legal status of debt Request : Immediate correction or deletion of the late payment entries. 
XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments High Balance : {$540.00} Date Opened : XX/XX/XXXX I was under the impression that this was a credit-building account and had automatic payments. Late payment claims are unsubstantiated.

Violations : FCRA 1681i Reinvestigation rights ignored FCRA 1681s-2 ( b ) Failure to verify reported delinquency Request : Reinvestigation and removal if not validated with full payment history. 
6. DEPT OF ED/XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Past due reported despite COVID-19 administrative forbearance. 
Balance : {$17000.00} Date Opened : XX/XX/XXXX Reporting of past-due status during federal student loan forbearance may be a violation of CARES Act protections and FCRA obligations. 
Violations : CARES Act ( XXXX ) Student loan payment suspension reporting rules FCRA 1681c Reporting obsolete or inaccurate information Request : Immediate correction of any past-due reporting. 
XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged-Off High Balance : {$4700.00} Date Opened : XX/XX/XXXX This account was disputed previously and no validation was ever provided. Reporting remains despite dispute.

Violations : FCRA 1681s-2 ( b ) Failure to correct disputed data FDCPA 809 ( b ) No debt validation provided upon request Request : Deletion of tradeline for failure to validate. 
XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collections Balance : {$270.00} Date Opened : XX/XX/XXXX No notice of collections was received. I only discovered this during a credit pull. It appears to be an error or identity issue. 
Violations : FDCPA 809 ( a ) No written notice of debt within 5 days FCRA 1681e ( b ) Lack of data integrity Request : Full validation or removal. 
XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collection Balance : {$720.00} Date Opened : XX/XX/XXXX No written communication ever received, yet this is reported as a collection. 
Violations : FDCPA 807 Deceptive means to collect FCRA 1681s-2 Inaccurate furnishing Request : Immediate deletion for lack of communication and validation. 
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collections Balance : {$1000.00} Date Opened : XX/XX/XXXX This debt is unfamiliar and appears to be a duplicate or erroneous entry. No validation ever provided. 
Violations : FDCPA 809 Failure to validate FCRA 1681e ( b ) Failure to ensure accuracy Request : Verification or deletion under FCRA guidelines.

Conclusion & Remedy Requested I demand a full investigation into the above issues and ask that all inaccurate, unverifiable, and misleading data be removed from my credit reports. Please ensure all furnishers provide proper validation as required by law. Failure to do so must result in permanent deletion under FCRA.

I am attaching a copy of my ID and a utility bill for identity verification, as well as a full copy of my credit report highlighting these issues.

Thank you for your assistance and prompt handling of this matter.

Company response to consumer: Closed with explanation