Consumer complaint received 2025-09-18 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:
I am filing this complaint because several creditors and credit reporting agencies are knowingly reporting inaccurate, unverifiable, and duplicate information on my credit reports. These errors are causing me ongoing financial harm, higher interest rates, denials of credit, and emotional distress. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ) provide clear protections to consumers like myself, yet these institutions are failing to comply. I respectfully request CFPB intervention to ensure these violations are addressed. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is not and has never been my residence. By associating me with this location, the agencies are creating a misleading profile of my identity. I have never signed a lease, utility bill, mortgage, or any other binding agreement at this address. The presence of this wrong address exposes me to potential identity theft and raises suspicion when lenders review my file. This false address causes unnecessary red flags that impact my ability to obtain credit fairly. Reporting this violates FCRA 15 U.S.C. 1681e ( b ) which requires reasonable procedures to assure maximum possible accuracy and FCRA 15 U.S.C. 1681i which requires reinvestigation of disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never resided at this apartment, nor have I signed any contract tying me to it. By misreporting this, the agencies are creating confusion and mixing my credit profile with that of another consumer. This damages my reputation and could cause lenders to think I am attempting to hide my true residence. This reporting violates FCRA 15 U.S.C. 1681i requiring reinvestigation of disputed information, as well as FCRA 15 U.S.C. 1681s which holds furnishers accountable for ensuring accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5100.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payments being reported on this account. XXXX has not provided proper documentation such as original signed agreements, detailed billing statements, or payment histories to verify the accuracy of these claims. Reporting alleged delinquencies without full proof is misleading and harmful to my credit standing. Under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct an investigation upon notice of dispute and correct any inaccuracies. Under FCRA 15 U.S.C. 1681c ( a ), outdated negative information can not remain on file beyond the allowable reporting period. Because XXXX can not fully substantiate these derogatory marks, they must be deleted. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$730.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that I dispute as inaccurate. XXXX XXXX  has a documented history of misreporting consumer information. They have failed to provide proof of accuracy, such as detailed account records and payment histories. By continuing to report unverifiable data, XXXX is in violation of FCRA 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i which requires reinvestigation when an item is disputed. Furthermore, this reporting violates the Consumer Financial Protection Act ( CFPA ) 1036, which prohibits unfair, deceptive, or abusive acts or practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Late Payment I dispute the accuracy of the late payments on this account. The creditor has not produced original documents or verifiable records that prove I was delinquent. By reporting unverifiable derogatory marks, this furnisher is in violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) which prohibits furnishing inaccurate information. They are also in violation of FCRA 15 U.S.C. 1681s-2 ( b ) which requires correction of inaccurate information once notified. The continued presence of this negative reporting is causing harm to my financial opportunities and emotional well-being. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the alleged late payments reported by XXXX XXXX XXXX. They have failed to provide full documentation proving the validity of these derogatory marks. This reporting is damaging and misleading, making it appear as though I have a poor payment history when that is not accurate. XXXX XXXX has an obligation under FCRA 15 U.S.C. 1681s to investigate disputes and under 15 U.S.C. 1681e ( b ) to maintain accuracy. If they can not prove with records that these late payments occurred, they must be deleted immediately. Additionally, if any third-party collection activity is involved, reporting false payment history also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e which prohibits false or misleading representations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments almost immediately after its opening, which is highly questionable and not accurate. I dispute these derogatory marks and demand proper validation. XXXX XXXX has not provided proof or account records to support these claims. Reporting false or unverifiable delinquencies is a violation of FCRA 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i, and 15 U.S.C. 1681s-2 ( b ). This account is damaging my creditworthiness in a way that is unfair and deceptive, in violation of CFPA 1036. If XXXX can not provide written proof that these late payments occurred lawfully and accurately, they must delete them immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$26000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the alleged late payments on this account. XXXX XXXX has not provided original records, billing statements, or signed agreements to verify the accuracy of these reported delinquencies. Reporting such derogatory marks without proof creates the false impression that I am financially irresponsible, when in reality these entries are the result of either clerical errors or misreporting. Under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct inaccuracies once notified. Continued reporting of unverified late payments violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$19000.00} Date Opened : XX/XX/XXXX Late Payment This is another account under XXXX XXXX with late payments being reported inaccurately. It is suspicious that multiple accounts from the same creditor are showing derogatory marks without any supporting evidence. I demand validation of every single late payment through full account history and proof of delinquency. If XXXX can not provide such documentation, then these negative remarks are false and must be deleted. Under FCRA 15 U.S.C. 1681i, I have the right to dispute inaccurate information and have it removed if not verified. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$9200.00} Date Opened : XX/XX/XXXX Late Payment This account is showing late payments that are disputed. XXXX XXXX XXXX XXXX has failed to provide documentation proving that I was delinquent. Their continued reporting of unverifiable derogatory marks harms my ability to obtain fair credit. Under FCRA XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. They are also required under 15 U.S.C. 1681s-2 ( b ) to correct any errors upon notice of dispute. Without proper proof, these late payments are misleading and must be removed.

Summary of Harm : The combination of inaccurate late payments, duplicate reporting, unlawful collections, and unauthorized inquiries is damaging my financial reputation. I am being denied fair credit opportunities, subjected to higher interest rates, and experiencing emotional distress. These actions violate my rights under the FCRA and FDCPA.

Requested Relief : Immediate reinvestigation and deletion of all inaccurate, duplicate, unverifiable, and unauthorized items. 
Confirmation from all furnishers and bureaus that corrections have been made. 
Regulatory enforcement to prevent these violations from continuing.

Compensation for damages as provided under FCRA 1681n and 1681o for willful and negligent noncompliance. 
I request that the CFPB hold these furnishers and reporting agencies accountable for violating federal law and for the significant harm caused to me as a consumer.

Company response to consumer: Closed with non-monetary relief