Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, outdated, and unverifiable information on my credit report. These entries are in direct violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and regulations governed by the Consumer Financial Protection Bureau ( CFPB ).

Despite prior attempts to dispute and correct these inaccuracies, the following issues remain unresolved and continue to negatively affect my creditworthiness and financial well-being. 
XXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1900.00} Issue : Inaccurate and outdated late payment reporting Violations : o FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate information.

o FCRA 605 ( a ) Adverse information older than 7 years must not be reported. 
XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Issue : Repeated late payment notations, not properly verified. 
Violations : o FCRA 611 ( a ) Duty to reinvestigate disputed information.

o FCRA 623 ( a ) ( 1 ) ( B ) Reporting unverifiable data after dispute is prohibited. 
XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1700.00} Issue : Late payment remarks remain after dispute without validation. 
Violations : o FCRA 623 ( b ) Furnishers must investigate and correct disputed information.

o FDCPA 807 ( 2 ) ( A ) Misrepresentation of amount owed. 
XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Issue : Inaccurate late payment notations, harmful to credit score.

Violations : o FCRA 602 ( A ) Right to fair and accurate credit reporting.

o FCRA 607 ( b ) CRA must follow reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1800.00} Issue : Multiple late payment entries without sufficient verification. 
Violations : o FCRA 611 ( a ) ( 5 ) Information must be deleted or corrected within 30 days of dispute.

o FCRA 623 ( a ) ( 2 ) Furnishers must update and correct inaccurate info. 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6800.00} Issue : Duplicate reporting and inaccurate late payments. 
Violations : o FCRA 623 ( a ) ( 5 ) Duplicate or redundant data must not be reported.

o FCRA 623 ( b ) ( 1 ) ( D ) Must notify CRA if information is found to be inaccurate. 
XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6800.00} Issue : Duplicate account ( same as above ), creating artificially inflated debt profile. 
Violations : o FCRA 605 ( b ) Reporting of duplicate accounts is misleading.

o FCRA 607 ( b ) CRAs must ensure accuracy and prevent double entries. 
XXXX. XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX High Balance : {$31000.00} Issue : Future-dated account creation ( XXXX ) is not possible ; likely a system or data error. 
Violations : o FCRA 607 ( b ) Future-dated accounts violate accuracy requirements.

o FCRA 605 ( a ) ( 1 ) Inclusion of fictitious or unverified data.

Inaccurate or Fraudulent Address Reporting The following addresses are listed on my credit report and are completely inaccurate. I have never lived at these addresses, and they are contributing to misidentification and possible fraud alerts : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX Requested XXXX I respectfully request the following actions : 1. Immediate removal of all inaccurate, unverifiable, and outdated data listed above.

2. Full reinvestigation by CRAs in compliance with FCRA 611.

3. Written verification and documentation from furnishers proving the accuracy of each account.

4. Removal of all wrong addresses from my credit profile.

Failure to comply with the federal regulations above may result in additional legal action, including potential claims for damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation