Consumer complaint received 2025-09-17 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: OH

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because I have been the victim of inaccurate reporting that is severely damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The credit reporting agencies have a legal obligation under FCRA 602, 603, 604, 605, 606, 607, 609, 610, 611, and 623 to report only accurate, verifiable, and complete information and to properly reinvestigate disputed items. Despite my previous disputes, the following items remain incorrect, unverified, and continue to harm my creditworthiness. I am requesting CFPB assistance to have these items corrected or permanently deleted. 

ADDRESSES XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX I do not have any connection to this address and never authorized it to be reported under my name. This listing is misleading and creates a false residency history, which can harm my credit profile and employment opportunities. I have never received mail here, never signed a lease, and there is no government-issued identification linking me to this property. The continued reporting of this address after my first dispute is a direct violation of FCRA 611 as it shows there was no reasonable reinvestigation. Please provide me with the exact source that supplied this address and remove it if it can not be verified with legal documentation. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX This address is not my residence and does not belong on my credit report. Including this false address creates an inaccurate portrayal of my location history and violates the requirement to maintain relevant and correct data. I have never lived in XXXX, OH at this location, and there are no official records such as rental agreements, utility accounts, or government correspondence that prove my connection. Leaving this on my file can result in potential fraud or mistaken identity. Please conduct a full reinvestigation and remove this immediately if proper verification can not be produced. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$3200.00} XXXX XXXX  This account is reporting late payments that are not correct based on my records. I request that you contact the original creditor and obtain documentation that proves these late payments with exact dates, amounts, and my signed agreement authorizing the debt. Without physical documentation, this reporting can not be considered accurate. The FCRA 609 ( a ) ( 1 ) provides me the right to review the information used to verify this account. If you can not produce it within the 30-day reinvestigation window, the late marks must be deleted under FCRA 611 . Continuing to report unverifiable derogatory data is a violation of federal law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$3200.00} XXXX XXXX  This account also reflects late payments that I dispute as inaccurate. I am demanding that you verify this account through proper documentation, not automated e-Oscar responses. The creditor should provide a full payment history, copies of statements, and my signed contract. FCRA 607 ( b ) requires credit bureaus to assure maximum possible accuracy, and if there is any uncertainty about the dates of delinquency, the negative marks must be removed. A continued failure to reinvestigate properly after this notice would be considered willful noncompliance under FCRA 616 and 617. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>XXXX  Balance Owed : {$2800.00} XXXX XXXX This is another account showing late payments that are damaging my credit profile. If you can not provide original documentation proving my responsibility for the dates reported, the information is legally considered unverified and must be removed. This is my second dispute, and under FCRA 611, a reinvestigation must be meaningful and must include communication with the furnisher to verify accuracy. If you simply respond with the same results as before without proper evidence, that is a violation of the law and will be documented for escalation to the CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$2500.00} * * This account has repeated late payment notations that are inconsistent with my records. I am requesting that you verify every reported delinquency and provide me with copies of the original records used to confirm the data. Any failure to provide evidence constitutes a failure to assure maximum possible accuracy under FCRA 607 ( b ). The account should be updated to show Pays As Agreed or have the late marks removed if you can not prove them beyond doubt. Continuing to report this data without proper investigation could lead to damages under 616. 

I respectfully request the CFPB to compel the credit reporting agencies and furnishers to follow the FCRA and remove all inaccurate, unverified, and outdated information from my credit file. These violations are causing me emotional distress, financial damage, and denial of fair access to credit. I demand a proper investigation, deletion of unverifiable information, and confirmation of compliance.

Company response to consumer: Closed with non-monetary relief