Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies and the furnishers listed below for violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My credit report contains serious inaccuracies that have caused damage to my financial standing and credibility. The reporting agencies have failed to maintain reasonable procedures to assure maximum possible accuracy of the information as required under FCRA 1681e ( b ) and failed to conduct proper reinvestigation under FCRA 1681i ( a ). I am requesting a full investigation and immediate correction or deletion of the inaccurate information listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not belong to me and were never tied to my verified residence history. Reporting unverified or unrelated addresses violates FCRA 607 ( b ), which requires the credit bureau to ensure maximum possible accuracy in consumer files. The presence of these false addresses misrepresents my personal history and must be deleted immediately. 

XXXX XXXX XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX | Balance : {$2500.00} This account continues to report late payments without verifiable proof or documentation from the creditor. Under FCRA 611 ( a ), the bureau must remove unverifiable information after a reinvestigation. Without validation of the original payment history, this data remains unsubstantiated and unlawful to report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$96000.00} The reported late payments are inconsistent and unsupported by any official documentation from the Department of Education or its servicer. Under FCRA 623 ( b ), furnishers must provide verified evidence when data is disputed. Failure to do so makes continued reporting illegal and damaging to my credit profile. This account must be updated or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1500.00} This account still lists unverifiable late payment entries that were never confirmed through proper validation. The continued reporting of inaccurate payment data violates FCRA 607 ( b ) and 611 ( a ) ( 2 ), which require accurate and verified information. Remove this account if validation can not be provided. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$350.00} This collection account has no verified contract, billing statement, or evidence linking me to this debt. Under FCRA 602 and 623 ( b ), a credit bureau can not legally report a collection account that lacks proof of ownership or authorization. Reporting unverified debt constitutes negligent data handling and must be deleted immediately. 

XXXX XX/XX/XXXX XXXX This inquiry was unauthorized and conducted without my written consent or permissible purpose. Under FCRA 604 ( a ) ( 2 ), access to a consumer report requires prior authorization. This is a clear privacy violation and must be deleted from my file. 

XXXX XX/XX/XXXX XXXX This is another unauthorized inquiry that was never approved by me. Reporting this type of inquiry without consent violates FCRA 604 ( a ). Such actions harm my credit rating and infringe on my consumer rights. It must be removed immediately. 

The continued inclusion of false addresses and unverifiable payment data on my credit report demonstrates negligence and noncompliance with federal law. These inaccuracies have caused significant emotional distress and financial harm, directly affecting my ability to obtain fair credit. I respectfully request that the CFPB review this complaint and take appropriate enforcement actions to ensure that my rights under the Fair Credit Reporting Act are upheld.

Company response to consumer: Closed with non-monetary relief