Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
CFPB Complaint regarding inaccurate credit reporting and unauthorized inquiries. I am submitting this complaint to address serious inaccuracies and violations in my credit report that are harming my financial reputation and access to credit. The Fair Credit Reporting Act ( FCRA ) Sections 607, 609, 611, and 623 require all credit reporting agencies and furnishers to report complete, accurate, and verifiable information. The continued presence of false addresses, late payments, and unauthorized inquiries is a direct violation of these federal laws and requires immediate correction. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is inaccurately reported and I have never resided here. Sections 609 and 611 ( a ) require verification of all reported information, and unverifiable information must be deleted. The presence of this address is misleading and negatively affects my financial profile. It impacts my credit approvals, interest rates, and loan eligibility. I request a thorough review with supporting documentation. Section 607 ( b ) mandates accurate reporting, and verification failure requires deletion. This inaccurate record misrepresents my residential history and creditworthiness. I expect the credit bureau to investigate promptly and correct any inaccuracies. Failure to verify must result in removal. Maintaining accurate reporting is essential for my financial stability. Verification must include all relevant documentation. Immediate action is required to remove this incorrect address. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is inaccurately reported, and I have never lived here. Sections 609 and 611 ( a ) require verification, and unverifiable information must be deleted. This inaccurate record misrepresents my credit history and negatively affects my creditworthiness. Section 607 ( b ) mandates accurate reporting. Verification failure requires deletion. I request a thorough review of supporting documentation. This address impacts my loan eligibility, credit limits, interest rates, and financial reputation. Prompt investigation is required. Unverifiable items must be removed immediately. Maintaining accurate reporting ensures my future financial stability. Immediate correction is necessary to protect my credit profile. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$49000.00} Reported late payment is inaccurate. Payment history is inconsistent with my records. Sections 607 ( b ) and 611 ( a ) require accurate reporting and verification. If verification fails, deletion is mandatory. This inaccurate late payment negatively impacts my creditworthiness, loan approvals, and interest rates. I request that supporting documentation be reviewed thoroughly. This item misrepresents my financial responsibility. Verification must comply with FCRA requirements. Immediate correction is necessary. This inaccuracy affects future financial opportunities, mortgage approvals, and credit limits. Accurate reporting is essential for maintaining trustworthiness. Verification failure must result in deletion. The credit bureau must investigate promptly and thoroughly. 

Account : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$4200.00} Reported late payment is inaccurate and inconsistent with my account statements. Sections 607 ( b ) and 611 ( a ) require verification and deletion if unverifiable. This inaccurate record negatively affects my credit score, interest rates, and financial credibility. I request a thorough investigation of supporting documentation. Section 609 grants the right to request verification. Immediate action is required if the item can not be verified. This item could impact loan approvals, credit limits, and mortgage eligibility. Accurate reporting is critical to maintain financial reputation. Verification must be thorough and documented. Deletion is required if unverifiable. The credit bureau must take prompt and responsible action. Accurate reporting ensures future financial stability. 

I request that all unverifiable, inaccurate, or unauthorized items be investigated thoroughly, corrected, or removed immediately. The continued reporting of false addresses, late payments, and unauthorized inquiries constitutes repeated violations of the Fair Credit Reporting Act. Immediate action is required to restore my credit report to accurate, verifiable, and lawful status, protecting my financial rights and compliance with federal law.

Company response to consumer: Closed with non-monetary relief