Consumer complaint received 2025-08-22 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Law Issue : FCRA Section 609 ( a ) ( 1 ) Verification of reported addresses Story : This address does not belong to me. Its presence on my credit report is factually incorrect and misrepresents my residency history. Incorrect addresses reduce the accuracy and reliability of my credit report. I request that this item be removed or verified with proper documentation. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA Section 623 ( b ) Accurate reporting required Story : The late payment reported on this account is not accurate. I have consistently made payments on time, or this entry is associated with a different individual. Incorrect late payments misrepresent my financial behavior and reduce my creditworthiness. This false information could lead to higher interest rates or denial of credit applications. I request the bureau to obtain full documentation from the creditor, including payment logs, account statements, and verification that this late payment is indeed mine. If it can not be verified, the late payment must be removed. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA Section 623 ( b ) Ensure accurate reporting Story : This entry is a duplicate of the previous late payment and is reported erroneously. Duplicate entries unfairly lower my credit score and distort my credit history. Lenders reviewing my credit file may perceive me as a higher-risk borrower. I request complete verification from XXXX and removal of this duplicate entry if it can not be substantiated. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late Payment Law Issue : FCRA Section 623 ( b ) Accuracy requirement Story : The reported late payment on this account is inaccurate and misleading. I have maintained timely payments or the account may not belong to me. This error negatively affects my creditworthiness, potentially increasing interest rates and impacting my ability to obtain loans. I request complete documentation, including payment history and account records, to substantiate this late payment. If verification can not be provided, this late payment must be removed from my credit report immediately. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA Section 623 ( b ) Obligation to investigate disputed entries Story : This late payment is inaccurate and misrepresents my payment history. Incorrect reporting may cause lenders to perceive me as a high-risk borrower. I request that the bureau investigate this account, verify the late payment with supporting documentation, and remove it if it can not be substantiated. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA Section 623 ( b ) Accuracy of reporting Story : This duplicate late payment is incorrectly reported. It unfairly lowers my credit score and misrepresents my financial responsibility. I request verification from XXXX or removal if unverifiable. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Chargeoff Law Issue : FCRA Section 623 ( b ) Must report accurate debt Story : This charge-off is inaccurate or misattributed to me. It severely impacts my credit score and financial opportunities. Verification is required from XXXX with supporting documentation, including contracts, payment history, and account ownership. If the account can not be verified, delete immediately. 

Inquiry : XXXX XXXX XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) Unauthorized credit pull Story : This inquiry was unauthorized and negatively affects my credit report. Immediate removal requested. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief