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: TX

Complaint narrative:
b'Dear CFPB Officer,\nI am writing to file a formal complaint regarding numerous inaccurate and damaging items being reported on my credit file by various credit bureaus and furnishers. These inaccuracies include incorrect addresses, inaccurate late payments, charge-offs, collections, duplicate accounts, and unauthorized inquiries, all of which violate my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\nDespite previous attempts to dispute these items with the credit bureaus, they continue to appear, causing harm to my creditworthiness, job prospects, and financial stability. Below is a breakdown of the issues:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nIssue: I have never lived or received mail at this address.\nLaw: FCRA  1681b prohibits the reporting of information without a permissible purpose.\nStory: This incorrect information raises questions during background checks and Ive lost employment opportunities as a result. This misreporting must be corrected immediately.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\nIssue: I have no connection with this address.\nLaw: FCRA  1681g(a)(1) entitles consumers to know what is reported about them and to correct inaccuracies.\nStory: This address does not belong to me and yet is linked to multiple credit accounts. I suspect identity theft and this must be removed before further damage occursXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Late Payment\nIssue: The reported late payment is inaccurate.\nLaw: FCRA  1681s-2(a) requires furnishers to report accurate information.\nStory: I made my payment on time and have receipts to prove it. A system error may have caused this false late payment, which unfairly lowered my score and caused my car loan to be deniedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment\nIssue: Bank error misapplied payment.\nLaw: FCRA  1681s-2(a)\nStory: My payment was misrouted due to internal error. I had funds and made payment, yet this caused damage to my report and reputation.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off\nIssue: Charge-off without prior notification.\nLaw: FDCPA  809(b) and FCRA  1681s-2\nStory: I was not notified about this charge-off. I only found out when checking my report. This is illegal and has severely impacted meXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off\nIssue: Vehicle returned, balance cleared, yet charged off.\nLaw: FCRA  1681c and FDCPA  807\nStory: I returned the vehicle voluntarily and resolved the balance. Reporting a charge-off is unjust and damagingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Collection\nIssue: Unknown account.\nLaw: FCRA  1681g\nStory: I have no relationship with this company. It appears to be fraudulent activityXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Collection\nIssue: Collection not belonging to me.\nLaw: FCRA  1681i\nStory: I dispute the validity of this debt and was never contacted by this collectorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection\nIssue: Duplicate of earlier entry.\nLaw: FCRA  1681e(b)\nStory: Double listing of same debt is illegal and misleading.XXXX XXXX XXXX  Inquiry\nIssue: Unauthorized credit access.\nLaw: FCRA  604\nStory: No credit request made by me on this date.XXXX XXXX  Inquiry\nIssue: No account or request made.\nLaw: FCRA  604\nStory: This inquiry was unauthorized and should not be on my report.\nSummary and Request\nThis pattern of errors and noncompliance with FCRA is harmful and violates my consumer rights. I have contacted the bureaus and furnishers with no resolution. I am now asking the CFPB to:\n1.\tInvestigate the accuracy and legality of the reporting practices described above.\n2.\tEnforce correction or deletion of all inaccurate, duplicate, or unverifiable information.\n3.\tHold furnishers and credit reporting agencies accountable for violating my rights.'

Company response to consumer: Closed with non-monetary relief