Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my formal complaint regarding multiple inaccurate, false, and unauthorized items being reported on my XXXX XXXX XXXX Equifax credit files. These issues include incorrect late payment reporting and unauthorized hard inquiries. I have already disputed these items with the credit bureaus under FCRA 611, 607 ( B ), and 602 ( B ), but the bureaus have failed to correct the errors. I am requesting CFPB intervention because these false items are damaging my creditworthiness, blocking financial opportunities, and violating federal reporting laws. 
WRONG ADDRESS REPORTING REMOVE IMMEDIATELY XXXX XXXX  XXXX, TX XXXX I never lived here and have no connection to this address. Reporting this location violates FCRA 607 ( B ) because it is inaccurate and creates identity confusion. 

XXXX XXXX XXXX, TX XXXX This address does not belong to me. It creates a mixed-file situation, and I demand full deletion. 

LATE PAYMENT ACCOUNTS REPORTING INCORRECTLY CORRECT IMMEDIATELY ( I NEVER PAID LATE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account has inaccurate late payment reporting. I never missed or submitted a late payment. Under FCRA 607 ( B ), furnishers must maintain maximum accuracy. Correct this immediately and update my payment history to reflect ON-TIME payments only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Wrong late payment history. I never made any late payment. Correct the reporting and fix all derogatory marks attached to this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is falsely showing late payments. I dispute all late marks because they are inaccurate and unverified. Correct immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} This account is reporting late payment information that is fully incorrect. I maintain proof of on-time payment history. Update the trade line and remove all derogatory information now. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account never had a late payment from me. Under FCRA 611, furnishers must verify data, and if they can not, they must remove it. Correct this reporting immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$15000.00} This account is showing false late payment data. I never paid XXXX late. This false reporting is damaging my creditworthiness, and I demand correction under FCRA 607 ( B ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} I dispute all late payment entries. I never submitted a late payment and demand correction to show on-time historical reporting. 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is inaccurately reporting late payments. I demand immediate correction because late payment history is wrong and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} This account is reporting late payments that are 100 % inaccurate. I never paid late, and these derogatory marks violate FCRA 607 ( B ) because they are not maximally accurate. Correct the payment history immediately. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} False late payment reporting. I never submitted a late payment. The furnisher must verify or delete under FCRA 611 ( a ). Update this account to show on-time payment history only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$48000.00} This account is wrongly reporting late payments. I strongly dispute this. These negative entries are harming my creditworthiness and must be corrected immediately under FCRA accuracy requirements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This trade line inaccurately shows late payments. I never paid late, and you must correct this immediately. Failure to verify requires removal. 
UNAUTHORIZED / IMPROPER HARD INQUIRIES REMOVE IMMEDIATELY XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. It violates FCRA 604 and must be removed. 

XXXX XXXX XX/XX/XXXX Not authorized. I never gave permission for this pull. Remove immediately. 

XXXX XXXX XX/XX/XXXX This was not authorized by me. Delete under FCRA 611. 

XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with this company. Remove this hard inquiry immediately. 

XXXX  XXXX XX/XX/XXXX Unauthorized inquiry. This damages my credit unfairly. Remove. 

XXXX XX/XX/XXXX I did not authorize this pull. Delete from my report. 

XXXX XXXX XX/XX/XXXX Unauthorized and not permissible under FCRA 604. Remove immediately. 

I am requesting that the CFPB require the credit bureaus and the furnishers involved to provide full documentation validating each late payment claim and each inquiry authorization. If they can not produce written proof, I request immediate deletion of all disputed items and a corrected report. I also request that the CFPB hold the bureaus and furnishers accountable for violating the FCRA and allowing harmful, false information to remain on my report.

Company response to consumer: Closed with non-monetary relief