Consumer complaint received 2025-09-27 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: IN

Complaint narrative:
I am filing this complaint against multiple creditors, furnishers, and credit reporting agencies for reporting false, inaccurate, and unverifiable information on my credit reports. These inaccuracies have caused me severe emotional distress, financial harm, denial of credit, higher interest rates, and reputational damage. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws, I request immediate investigation and correction of the following items : Wrong Addresses ( Never lived at these, completely false and harmful ) : XXXX XXXX XXXX, IN XXXX Wrong Address I have never lived or been associated with this address. Reporting it on my credit file creates the false impression of instability and opens the door for potential identity theft issues. This is a violation of FCRA Section 609 ( a ) ( 1 ), which gives me the right to accurate identifying information, and FCRA Section 607 ( b ), which requires credit bureaus to assure maximum possible accuracy. Because this address is unverifiable and unrelated to me, it must be deleted immediately. 
XXXX XXXX XXXX XXXX, OH XXXX Wrong Address This address is completely false. Reporting it violates FCRA Section 602 ( A ) ( 1 ), which recognizes the need to ensure fair and accurate credit reporting to protect consumers. By leaving this false information, the credit bureau is engaging in negligent practices under FCRA Secti

on 616 and could be liable for damages. I demand immediate deletion. Accounts with False Late Payment Status (
I never paid late, reporting is false and defamatory ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXXXXXX  Late Payment I dispute this reporting as inaccurate. I never missed or delayed any payments on this account. Reporting false derogatory history violates FCRA Section 623 ( a ) ( 1 ) ( A ), which requires furnishers not to report information they know or should know is inaccurate. It also violates FCRA Section 607 ( b ) for failure to maintain accuracy. I demand correction and deletion of the false remark. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This is another false late payment remark. I made all payments responsibly, and no proof exists of delinquency. Under FCRA Section 611 ( a ) ( 1 ) ( A ), the bureau must reinvestigate my dispute within 30 days and correct inaccurate information. Under FCRA Section XXXX ( b ), the furnisher must investigate and delete unverifiable data. I demand immediate correction. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment This false late payment is a direct violation of FCRA Section 623 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting information without proper verification. By allowing this derogatory mark to remain, the credit bureaus are also in violation of FCRA Section 611 ( c ), which requires prompt deletion of inaccurate or unverifiable information. 
DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment This inaccurate late payment remark is harming my financial standing. No evidence supports this derogatory mark. Under FCRA Section 623 ( b ) ( 1 ) ( D ), a furnisher must delete information that is found to be inaccurate or unverifiable after investigation. Keeping this false entry exposes them to liability under FCRA Section 617 for willful noncompliance. I demand correction immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account being charged off, and I dispute this reporting. Reporting a Charge Off without providing legal proof of default is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. It also violates FCRA Section 607 ( b ), which requires maximum possible accuracy. This entry is damaging and must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXXXXXX  Charge Off This is another false Charge Off remark tied to the same timeframe. No evidence has been provided to support such a serious derogatory status. Under FCRA Section 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted from my file. Continued reporting without proof is considered negligent under FCRA Section 616, and I demand deletion. 
DEPTEDXXXX XXXX XXXX XXXX XXXX  High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment This late payment remark is false. I never defaulted or delayed payment. Reporting derogatory history without proof is a violation of FCRA Section 623 ( b ) ( 1 ) ( A ), which requires furnishers to investigate and correct inaccuracies. I demand immediate correction. 
DEPTEDXXXX XXXX  XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment This reporting is equally false and damaging. No records substantiate this claim. Under FCRA Section 611 ( a ) ( 5 ) ( B ), the bureau must delete unverifiable data. Failure to remove this false information makes the bureau liable for negligent noncompliance under FCRA Section 616. 
DEPTEDXXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This remark is inaccurate. I have no record of being late on this account. Reporting false late payments is a violation of FCRA Section 607 ( b ) ( accuracy requirement ) and FCRA Section 623 ( a ) ( 1 ) ( duty of furnishers ). I demand immediate deletion of this false information. 
DEPTEDXXXX XXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment This entry repeats the same false narrative. It is deceptive and harmful to my financial reputation. Under FCRA Section 611 ( a ) ( 1 ), I am exercising my right to dispute this reporting, and I demand its removal due to lack of proof. 
DEPTEDXXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXXXXXX  Late Payment I dispute this reporting as false. No actual late payment exists, and no documentation has been provided. Under FCRA Section 623 ( b ) ( 1 ) ( D ), information found to be inaccurate or unverifiable must be deleted. This derogatory mark is unlawful and must be corrected. 
DEPTEDXXXX XXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment This entry is inaccurate, misleading, and harmful. Under FCRA Section 611 ( a ) ( 5 ), consumer reporting agencies must delete or modify information that can not be verified. If the furnisher can not provide evidence, this entry must be removed immediately. 
DEPTEDXXXX XXXX XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Late Payment This account is wrongly marked with a late payment. I never paid late, and no proof has been provided. Reporting false delinquency violates FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know is inaccurate. Under FCRA Section 611 ( a ) ( 5 ), unverifiable data must be deleted. I demand immediate correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$14000.00} Date Opened : XX/XX/XXXX Late Payment This reporting is inaccurate. I have always maintained timely payments and dispute any record of delinquency. Under FCRA Section 607 ( b ), the credit bureau must assure maximum possible accuracy. Under FCRA Section 623 ( b ) ( 1 ), the furnisher must investigate and correct or delete false reporting. I demand removal of the false late payment status. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$660.00} Date Opened : XX/XX/XXXXXXXX  Collection I have no knowledge of this collection account and dispute it in full. No contract, proof of debt, or validation has been provided to me as required under FDCPA Section 809 ( 15 U.S.C. 1692g ). Reporting this as a valid collection without verification is also a violation of FCRA Section 623 ( a ) ( 3 ). This collection must be deleted immediately. 
Unauthorized / Questionable Inquiries ( all dated XX/XX/XXXX ) : XXXX XXXX XXXX This appears to be a duplicate and unauthorized inquiry. Under FCRA Section 607 ( b ), duplicate and inaccurate reporting must be corrected. This must be deleted. 
XXXX Inquiry This inquiry is also unauthorized and must be removed under FCRA Section 604 ( c ). It creates the false impression that I am excessively applying for credit, which harms my creditworthiness. 
Requested Resolution : 1. Immediate removal of unverifiable collection accounts.

2. Correction of all false late payment reporting.

3. Deletion of all unauthorized inquiries.

4. Written confirmation of corrections within the statutory 30-day investigation period under FCRA 611 . 
Conclusion : The continued reporting of inaccurate, unverifiable, and unauthorized information violates federal law and causes irreparable harm to my financial stability. I respectfully request that the CFPB enforce compliance and require the credit bureaus and furnishers to correct or delete the above-mentioned items immediately.

Company response to consumer: Closed with non-monetary relief