Consumer complaint received 2025-09-29 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:
I am submitting this complaint regarding multiple inaccuracies on my credit report that have caused significant financial and emotional distress. The issues include accounts falsely reported as having late payments and unauthorized inquiries, which I never made or authorized. These discrepancies are misleading, damaging my creditworthiness, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Wrong Address : XXXX XXXX, XXXX, VA XXXX I have never lived at this address. Its appearance on my credit file is entirely incorrect. The inclusion of this address could mislead lenders into associating my identity with a location that is unrelated to me, potentially opening me to identity confusion or fraud. According to FCRA Section 611 ( a ), credit reporting agencies must ensure the maximum possible accuracy of all information reported. The reporting of an address where I have never lived is a clear violation. I demand immediate correction or deletion of this address to prevent further financial harm and protect my legal rights under federal law. 

XXXX XXXXXXXX XXXX  High Balance : {$190000.00} Date Opened : XX/XX/XXXX Late Payment * * I have never made late payments on this account. Reporting it as delinquent is false and harmful. Under FCRA Section 623 ( a ), furnishers are required to report only accurate payment histories. The false late payment designation has damaged my creditworthiness, caused emotional distress, and may have affected my ability to secure loans or favorable terms. I request immediate reinvestigation and correction of this account. Continued reporting of false information violates federal law and may give rise to legal liability for the reporting agency. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$190000.00} Date Opened : XX/XX/XXXX Late Payment * * This account is reported with late payments that are completely inaccurate. I have consistently made all required payments on time. Misreporting these payments constitutes a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide complete and accurate information. These false late payments have harmed my credit, created financial uncertainty, and caused undue stress. I demand immediate correction and documentation of accurate payment history to ensure compliance with federal law. 

XXXX XXXXXXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Late Payment * * This account has been falsely reported as containing late payments. I have never been late with any payments. Reporting inaccurate late payments is a direct violation of FCRA Section 611 and Section 623, which protect consumers from the reporting of inaccurate or misleading information. The presence of these false delinquencies has negatively impacted my credit score, financial opportunities, and peace of mind. I request an immediate investigation, correction of all inaccuracies, and removal of these false late payment entries. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$12000.00} Date Opened : XX/XX/XXXX Late Payment * * This account is reported as having late payments, which is completely inaccurate. I have consistently made all required payments on time. Reporting false late payments violates FCRA Section 623 ( a ) and Section 611 ( a ), which require furnishers and credit reporting agencies to ensure accurate reporting. The false delinquency has negatively impacted my credit score, caused financial uncertainty, and created undue stress. I request a full reinvestigation and immediate correction of this account to reflect my accurate payment history. 

XXXX XXXXXXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment * * I have never missed a payment on this account. The reporting of late payments is false, misleading, and harmful to my credit profile. Under FCRA, reporting inaccurate payment history constitutes a violation and can expose the reporting party to legal consequences. I demand immediate correction and verification of all payment records for this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment * * This account has been inaccurately reported as containing late payments. I have never made late payments on this account. False reporting under FCRA Sections 607 ( b ), 611, and 623 ( a ) is illegal and harmful to my financial reputation. I request that this account be corrected immediately to accurately reflect my timely payment history. 

XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Reporting an unauthorized hard inquiry is a violation of FCRA Section 604 ( a ) ( 3 ), which requires consumer consent for credit checks. This unauthorized inquiry negatively impacts my credit score and constitutes a legal violation. I demand that this inquiry be removed immediately and a written confirmation of removal be provided. 

XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me. Unauthorized inquiries are considered violations under FCRA Section 604 ( a ) ( 3 ). I request that this inquiry be immediately removed from my credit file, as it falsely suggests I sought new credit when I did not. Continued reporting of unauthorized inquiries may result in legal action. 
XXXX  XX/XX/XXXX Inquiry This inquiry was made without my consent. Reporting unauthorized inquiries violates federal law and causes damage to my creditworthiness. I request immediate deletion in accordance with FCRA and written confirmation once completed.

Legal Basis & Demand for Action The above inaccuracies violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( b ), 604 ( a ) ( 3 ), 611, and 623 ( a ). I demand that all false late payments be corrected and all unauthorized inquiries be removed immediately. I also reserve the right to pursue additional legal remedies if these violations are not addressed promptly.

I request that the CFPB investigate these issues, ensure their correction, and provide written confirmation once the corrections are completed. Failure to correct these errors may result in further legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief