Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am filing this complaint with the CFPB regarding multiple inaccuracies and unverifiable items on my credit report that are negatively affecting my creditworthiness. I have identified incorrect addresses, late payments, and charge-offs being reported without proper verification or supporting documentation. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting, documentation, and prompt reinvestigation of disputed items. I request that the CFPB intervene to ensure these errors are corrected or deleted from my credit file. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address I have never lived at this location. Under FCRA 611, I am requesting a full reinvestigation and deletion if verification can not be provided. Including unverifiable addresses creates misrepresentation in my credit profile. I request proof linking me to this address, such as utility or lease documentation. Failure to provide verification mandates deletion. Continued inaccurate reporting harms my creditworthiness. This address has been incorrectly reported multiple times. Accurate reporting of personal information is required by federal law. Investigate fully and remove any unverifiable entries. My credit file must reflect only verified addresses. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address This address is not associated with me at any time. FCRA 609 requires accurate reporting of personal identifiers. Reporting false addresses can lead to misidentification. I request documentation linking me to this property. If unverifiable, delete immediately. Reporting incorrect addresses is negligent and violates FCRA 607, 611. Inclusion of this address negatively impacts my credit profile. Prior disputes have failed to correct this item. Full reinvestigation is required under federal law. Accuracy in address reporting is essential to prevent harm. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Late Payment XXXX XXXX I dispute this late payment because it is inaccurate and unverifiable. FCRA 609 and 611 require that all negative information reported must be fully verifiable. I request detailed documentation showing the specific payment history, statements, and notices that confirm this late payment. The reporting of this item has negatively impacted my credit score and potential credit opportunities. Previous disputes regarding this account were ignored or insufficiently investigated. Inclusion of unverifiable negative information constitutes willful noncompliance under FCRA 607. Please provide proof of delinquency, including original account documents. Failure to verify requires immediate deletion. Continuing to report unverifiable late payments is unlawful. The account balance, payment dates, and late reporting must be validated. Reporting inaccurate dates of delinquency misrepresents my creditworthiness. I have always sought to maintain accurate financial records. This account must be corrected or removed to comply with federal law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Chargeoff XXXX XXXX  This charge-off account is being reported inaccurately. FCRA 623 ( a ) ( 5 ) requires accurate reporting of charge-off dates and balances. I request the original signed agreements, complete payment history, and verification of the charge-off date. Previous disputes were submitted with supporting documentation but the negative mark remains. Reporting unverifiable charge-offs constitutes a violation of federal law. The balance reported may be inconsistent and must be validated. I have never been provided with proof of delinquency sufficient to justify this reporting. Continued reporting of unverifiable information damages my creditworthiness. Please investigate fully and provide documentation or remove this account. The account history, payment records, and verification of the charge-off date must be made available. Misreporting this account misleads potential creditors. Compliance with FCRA 609, 611, 623 is legally required. This negative reporting is both harmful and inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} Late Payment XXXX XXXX I dispute this late payment reporting as inaccurate. FCRA 611 ( a ) requires full verification of any reported negative information. I request account statements, payment histories, and proof of delinquency. Failure to verify this account mandates deletion. Previous disputes have not resulted in correction. Reporting unverifiable late payments misrepresents my creditworthiness. The dates of delinquency, statements, and payment history must be validated. Continued reporting of unverifiable data violates federal law. Inclusion of this negative item has damaged my credit opportunities. I request full investigation and removal if verification can not be provided. Providing accurate information is required by FCRA 609, 611. Misreporting late payments is a violation of my rights as a consumer. Compliance with federal law is mandatory. This item must be corrected to prevent further harm. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Late Payment XXXX XXXX I dispute this late payment as inaccurate and unverifiable. FCRA 609 and 611 require furnishers to validate all negative reporting. Provide original account statements, payment history, and proof of the delinquency. If verification can not be provided, this item must be removed immediately. Reporting unverifiable information violates federal law. Previous disputes were not resolved, and this negative mark continues to harm my credit score. Accurate reporting is required under FCRA 607 and 611. Misreporting late payments misrepresents my credit behavior. I request full reinvestigation and immediate deletion if unverifiable. The account history, dates, and amounts must be validated. Continued inaccurate reporting is unlawful. Correct reporting is critical to reflect my actual creditworthiness. The negative impact caused by this item is substantial. Documentation or deletion is required under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Collection XXXX XXXX I dispute this collection account as inaccurate and unverifiable. FDCPA 809 ( b ) and FCRA 611 ( a ) require verification, including original contracts and complete account history. Reporting unverifiable collections harms my credit score. Provide proof of the debt, payment history, and calculations of balance. Previous disputes have failed to correct this issue. Inclusion of unverifiable collections constitutes willful noncompliance. If verification can not be provided, delete immediately. Continued reporting misrepresents my financial obligations. The account must be reinvestigated fully. Reporting unverifiable collections is unlawful under federal law. Accurate documentation must be provided. My credit profile must reflect only verified information. Removal is required if verification is unavailable. Full compliance with FCRA 607, 609, 611, 623 is mandatory. 

I respectfully request that the CFPB intervene to ensure all inaccurate, unverifiable, or incomplete information is promptly investigated and corrected or removed from my credit reports. Reporting agencies and furnishers must comply with FCRA and FDCPA regulations and provide complete, accurate documentation of all disputed items. Failure to do so continues to harm my credit standing and constitutes a violation of federal consumer protection laws. I request confirmation of corrective action and removal of all unverifiable or inaccurate items.

Company response to consumer: Closed with non-monetary relief