Consumer complaint received 2025-08-02 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against multiple credit reporting agencies and furnishers for the reporting of inaccurate, unverifiable, and misleading information on my credit report. Despite repeated attempts to dispute these errors, they remain unresolved, and continue to harm my credit profile, violate my rights under the Fair Credit Reporting Act ( FCRA ), and cause me financial and emotional hardship.

Below is a detailed list of the inaccurate or unlawful items reported : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Wrong Address Issue : This address has never been mine and its appearance is factually incorrect. 
Law : FCRA 1681c requires consumer reporting agencies to remove obsolete or inaccurate information. 
Story : Such inaccuracies cause confusion to lenders and potential fraud risk. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$22000.00} ) Late Payment * * Issue : The reported late payments on this account are inaccurate and unsubstantiated. I have consistently made timely payments or have negotiated payment arrangements.

Law : FCRA 1681i mandates investigation of disputed items and correction if unverifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) prohibits debt collectors from reporting inaccurate information.

Story : These late payments are either fabricated or inaccurately reported by the creditor or collector, and they unjustly harm my credit score. 
XXXXXXXX XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Charge Off * * Issue : This charge-off is outdated or inaccurately reported as outstanding. 
Law : FCRA 1681c limits reporting of charge-offs after 7 years ; inaccurate balance information is prohibited under 1681e ( b ).

Story : This accounts status conflicts with my payment history and should be corrected or removed. 
XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ) Collection * * Issue : This collection account is not mine or has been paid in full but remains reported as open.

Law : FCRA 1681i requires reinvestigation of disputed accounts ; FDCPA requires debt validation.

Story : Reporting open collection on a paid or inaccurate account severely damages my credit unfairly. 
XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$680.00} ) Collection * * Issue : Possibly duplicate or inaccurately reported collection account without proper validation.

Law : Same as above FCRA 1681i and 1681s-2 ( b ).

Story : These repeated erroneous entries suggest negligent furnishing or CRA errors. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX & XX/XX/XXXX, Balance : {$640.00} ) Collection * * Issue : Duplicate collections from the same furnisher, reported inconsistently. 
Law : FCRA prohibits duplicate listings and mandates correction upon dispute ( 1681i ).

Story : These accounts cause confusion and unjust damage to my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ) Collection * * Issue : Inaccurate collection reporting or failure to note resolution or dispute.

Law : FCRA 1681i and FDCPA 809 ( b ), 807 ( 8 ).

Story : Lack of verification or incorrect reporting violates my consumer rights. 
XXXX XXXX XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) Charge Off * * Issue : Charge-off reported without proper documentation or after dispute. 
Law : FCRA 1681e ( b ), 1681i, and FDCPA protections.

Story : This negative item is either erroneous or outdated and must be corrected or removed. 
XXXX ( Inquiry ) XX/XX/XXXX Issue : Unauthorized or inaccurate inquiry. 
Law : Same as above. 
Story : Remove if unauthorized. 
XXXX XXXX Inquiry ) XX/XX/XXXX Issue : Same inquiry dispute. 
Law : Same as above. 
Story : Remove if unauthorized. 
REQUEST FOR CFPB INVESTIGATION & ACTION : I am requesting that the CFPB : 1. Investigate all inaccurate addresses, accounts, and inquiries listed above.

2. Ensure credit reporting agencies and furnishers comply with FCRA and FDCPA.

3. Order the deletion of unverifiable, inaccurate, or duplicated items from my credit reports.

4. Hold the responsible furnishers and bureaus accountable for violating my rights.

These errors have caused significant damage to my credit, XXXX XXXX and limited my ability to live and function financially. I am attaching copies of my credit report and any relevant correspondence to support my claims. 
Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief