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: LA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding numerous serious violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by multiple creditors and credit reporting agencies. Despite my good faith efforts to dispute inaccurate information, my credit report continues to contain false, outdated, unverifiable, and legally non-compliant information. 
These violations have caused me emotional distress, financial harm, and unjust denials for credit. I am requesting the CFPB to investigate these issues and take appropriate enforcement action. 
Part 1 : Inaccurate Personal Information ( Wrong Addresses ) My credit report shows the following addresses which are completely incorrect and have no association with me. These errors could indicate potential fraud or mixed files : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violation : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy. 
Part 2 : Inaccurate & Harmful Account Reporting Below are accounts with inaccurate reporting, unsupported negative statuses, and no proper verification : 1. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Late Payment, Unverified Violation : FCRA 1681s-2 ( b ), FDCPA 809 ( a ) Also showing a hard inquiry on XX/XX/2024 without permissible purpose FCRA 1681b ( c ). 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  Issue : Charge-Off not validated, balance inaccurate Violation : FCRA 1681i, FDCPA 807 3. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Issue : Late payments ( multiple entries ), unverifiable Violation : FCRA XXXX ( b ) XXXX. XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Issue : Incorrect late payments reported Violation : FCRA 1681i ( a ) 5. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Re-aged late payments Violation : FCRA 1681c ( a ) 6 & 7. XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Late payments reported despite deferment periods Violation : FCRA 1681s-2 ( a ) 8. XXXX Acct # : XXXX XXXX  XXXX  Issue : Charge-off status without proper notice or validation Violation : FDCPA 809 ( b ), FCRA 1681i Part 3 : Collection Accounts No Validation, Unfair Practices The following collection accounts were reported without proper debt validation and have not responded to disputes, violating both FCRA and FDCPA : XXXX. XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX High Balance : {$7300.00} Violation : FDCPA 809 ( b ), FCRA 1681s-2 ( b ) 10. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX High Balance : {$1000.00} Violation : FDCPA 807, 812 ( a ) 11. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX  High Balance : {$1000.00} Violation : FDCPA 807 12. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX High Balance : {$1200.00} Violation : FDCPA 809 ( a ), FCRA 1681e ( b ) XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  High Balance : {$980.00} Violation : FDCPA 808, FCRA 1681i 14. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  High Balance : {$650.00} Violation : FDCPA 807 ( 5 ), FCRA 1681e ( b ) XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX High Balance : {$2000.00} Violation : FDCPA 809 ( b ) 16. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX High Balance : {$790.00} Violation : FDCPA 807 Relief Requested I respectfully request the CFPB to : 1. Investigate the reporting agencies and furnishers of the accounts listed above. 
2. Remove all unverifiable, inaccurate, and unauthorized data from my credit report.

3. Ensure all creditors provide proper validation under FDCPA 809.

4. Fine and sanction parties that fail to comply with FCRA & FDCPA. 
Attachments ( when submitting ) : Copies of credit reports showing these entries ( Experian, Equifax, TransUnion ) Dispute letters and responses ( if any ) Any relevant communication with creditors Please confirm receipt of this complaint and advise on the next steps for investigation and resolution.

Company response to consumer: Closed with non-monetary relief