Consumer complaint received 2025-06-06 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: NY

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against multiple furnishers and credit reporting agencies for reporting inaccurate personal information and account details that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692.

1. Inaccurate Address Reporting ( Violation of 15 U.S. Code 1681e ( b ) ) The following addresses have been falsely reported on my credit profile as past residences. I have never lived at any of these locations, and their presence constitutes negligent reporting and failure to maintain reasonable procedures for accuracy : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX ( Reported : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Reported : XX/XX/XXXX ) I demand these addresses be immediately removed from my credit file under FCRA 1681i ( a ), which requires reinvestigation of disputed information.

2. Inaccurate and Harmful Account Reporting Each of the following accounts is being reported inaccurately or in violation of federal law. The furnishers and/or data furnishers failed to ensure maximum possible accuracy and have caused harm to my creditworthiness : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Late Payments Violation : FCRA 1681s-2 ( b ) Failure to conduct proper investigation and report accurate information. 
XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Late Payments Violation : FCRA 1681i & 1681s-2 ( b ) Unverified late payment history damaging my credit reputation. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Late Payments Violation : FCRA 1681e ( b ) Failure to verify accuracy of payment reporting. 
XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Collection Account Violation : FDCPA 807 ( 8 ) Reporting a debt without proper validation and under false pretense. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Collection Account / Charge Off Violation : FDCPA 809 & FCRA 1681s-2 ( a ) Duplicate reporting and charge-off without providing validation of the debt. This account is being reported twice once as a collection and again as a charge-off, creating a misleading and inaccurate profile. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge-Off Violation : FCRA 1681i Reporting charge-off without providing sufficient documentation or validation. No written notice of debt acceleration was provided. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge-Off Violation : FCRA 1681s-2 ( b ) Inaccurate reporting of charge-off amount and failure to provide proof of liability or breakdown of balance.

3. Legal Basis for Complaint The FCRA and FDCPA clearly establish that : Consumers have the right to accurate credit reporting.

Furnishers and CRAs are obligated to investigate disputed information.

Duplicate, unverifiable, outdated, or incorrect accounts must be corrected or removed.

Cited Laws : FCRA 1681e ( b ) : Duty to ensure maximum accuracy.

FCRA 1681i ( a ) : Duty to investigate disputed information.

FCRA 1681s-2 ( b ) : Furnisher obligations to investigate disputes.

FDCPA 807 & 809 : False or misleading representations and lack of validation.

4. Resolution Sought I am requesting the following : Immediate deletion of all the false and incorrect addresses listed above.

Removal or correction of all disputed accounts as outlined, including duplicate listings and unverified debt.

Confirmation in writing from all involved bureaus and furnishers that these corrections have been made.

This has caused serious emotional and financial XXXX including denial of credit, inflated interest rates, and reputational harm.

Thank you for your attention to this matter. I trust the CFPB will hold these entities accountable and ensure my consumer rights are protected. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief