Consumer complaint received 2025-08-21 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:
Dear CFPB, I am filing this formal complaint against the credit reporting agencies and the furnishers of information for violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have been severely harmed financially and emotionally due to their failure to maintain accurate records, their continued reporting of false addresses, late payments, charge offs, and the appearance of unauthorized inquiries on my credit report. These errors have damaged my creditworthiness, resulted in repeated denials, forced me to pay higher interest and deposits, and subjected me to embarrassment and suspicion of fraud. I am requesting XXXX intervention to enforce compliance, hold these entities accountable, and compel the immediate removal of these inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This address is not and has never been associated with me. Reporting this address is inaccurate and misleading. 
Law : FCRA 1681i and 1681e ( b ) require that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy. Keeping this address on my report is a direct violation of these statutes. 
Story : I have never lived at this address, nor do I have any financial or personal connection to it. By reporting this false address, the credit bureaus are creating the false impression that I have lived there, which damages my credibility and raises suspicion with lenders. This has subjected me to embarrassment, suspicion of fraud, and wrongful denials of credit opportunities. 
XXXX XXXX XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account is inaccurately reporting late payments. 
Law : FCRA XXXX prohibits furnishers from reporting information they know or should know is inaccurate. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), reporting false payment history constitutes misleading representation. 
Story : I have consistently attempted to maintain my financial obligations, and any reported late payment on this account is not accurate. This false reporting has lowered my credit score, caused me to pay higher interest rates, and has prevented me from being approved for essential lines of credit. This late payment entry is not only harmful but also unverifiable and must be corrected or removed. 
XXXX XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXX Late Payment Issue : Inaccurate reporting of late payments. 
Law : FCRA 1681e ( b ) requires maximum accuracy. Any unverifiable or outdated information must be removed immediately.

Story : This account is reflecting inaccurate late payments that do not represent my true payment history. I have faced humiliation when creditors reviewed my report and questioned my responsibility. These false lates have created unnecessary stress and denied me access to fair credit terms. 
XXXX XXXX High Balance : {$950.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong and damaging reporting of late payments. 
Law : FCRA 1681i requires reinvestigation when a consumer disputes inaccurate information. Reporting unverifiable late payments violates my rights. 
Story : I have no history of being late on this account, yet your system shows otherwise. These false notations have destroyed my creditworthiness and led to rejection of loan applications. This is not only inaccurate but reckless and harmful. 
XXXX XXXX XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payment reporting is false. 
Law : FCRA 1681c-2 allows blocking of inaccurate information, and furnishers can not report data without proof of accuracy.

Story : This late payment reporting has been highly detrimental to me. I was denied credit opportunities and forced to pay higher deposits on basic utilities because of this false derogatory mark. It is unfair, unverified, and must be removed. 
XXXX XXXXXXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account is reported as a charge off inaccurately and unlawfully. 
Law : FCRA 1681e ( b ) requires accuracy, and the FDCPA prohibits false and misleading reporting.

Story : This charge off is not correct and was never validated. The false charge off has completely devastated my credit profile, making me appear as a high-risk borrower. This has led to repeated denials of loans, credit cards, and fair financing options. Reporting this without verification is unlawful and deeply harmful. 
PREMIUM XX/XX/XXXX Inquiry Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( 2 ) strictly prohibits such actions without consent.

Story : I never gave permission for this credit pull. The negative effect on my score is unjustified and unlawful. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry. 
Law : FCRA 604 requires permissible purpose.

Story : I did not authorize this inquiry. It has harmed me financially and emotionally. 
Conclusion I respectfully request CFPB to investigate these violations, enforce compliance under FCRA and FDCPA, and compel the credit reporting agencies and furnishers to delete all inaccurate addresses, late payments, charge offs, and unauthorized inquiries from my credit file. These false and unverifiable items have caused me severe financial harm, reputational damage, and emotional distress. I ask that CFPB ensure these entities are held accountable and that my consumer rights are fully restored.

Company response to consumer: Closed with non-monetary relief