Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to file an official complaint against Equifax Information Services LLC for failing to ensure the accuracy and integrity of the information being reported on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite multiple attempts to resolve these issues directly with the credit reporting agency, I have seen no reasonable effort to correct these errors, causing serious and continuous damage to my credit reputation and financial well-being. 
Issue # XXXX : Reporting of Inaccurate and Fraudulent Addresses The following addresses have been incorrectly and fraudulently reported under my credit file : XXXX XXXX XXXX, XXXX, CA XXXX ( Incorrect ) XXXXXXXX XXXX XXXX  XXXX, CA XXXX ( Incorrect ) These addresses are neither associated with me nor have I ever resided at or used them for any financial purpose. Reporting inaccurate addresses constitutes a violation of FCRA 1681e ( b ), which mandates consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 
Issue # 2 : Inaccurate and Misleading Account Reporting I am disputing the following accounts due to inaccurate information being reported, including but not limited to : status, payment history, and balance amounts. These accounts are severely damaging my credit report and are being reported without reasonable investigation or validation. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Unverified late payment, damaging my credit unjustly. 
o FCRA Violated : 1681e ( b ), 1681i ( a ) ( 5 ) Issue # 3 : Improper Bankruptcy Reporting U.S. Bankruptcy Court Reference # : XXXX o Closing Date : 08/17/2018 o This bankruptcy was discharged more than 7 years ago, yet it still appears on my credit file. According to FCRA 605 ( a ) ( 1 ), bankruptcies may only be reported for up to 10 years if they are XXXX XXXX, but Equifax has failed to include the discharge date and status appropriately. 
Legal Grounds for This Complaint Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to : Maintain accurate and complete records ( FCRA 1681e ( b ) ) Promptly investigate and resolve disputes ( FCRA 1681i ) Refrain from reporting outdated or unverifiable information ( FCRA 605 ) Ensure all furnishers of information also follow accuracy requirements ( FCRA 1681s-2 ) Requested Relief I am requesting that Equifax immediately : 1. Delete the inaccurate addresses listed above from my credit file.

2. Investigate and correct or remove the listed inaccurate accounts.

3. Update or remove the outdated bankruptcy entry.

4. Provide a copy of my updated and corrected credit report.

5. Ensure compliance with FCRA going forward and provide documentation of verification procedures used. 
This inaccurate and negligent reporting is causing me financial harm, denial of credit, and emotional distress. I urge the CFPB to intervene and ensure my rights as a consumer are respected. 
Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief