Consumer complaint received 2025-07-29 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 to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Law Issue : FCRA Section 602 ( a ), 604 ( a ), and 609 ( c ) ( 1 ) ( A ) Story : I have never lived at this address and it is being inaccurately reported on my credit profile. This may indicate identity confusion or data merging error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Law Issue : FCRA Section 602 ( a ), 604 ( a ), and 609 ( c ) ( 1 ) ( A ) Story : I do not have any association with this address. This is a reporting error that is causing confusion in my credit profile. 

DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * Law Issue : FCRA Section 611, 607 ( b ), and 623 ( a ) ( 1 ) ( A ) Story : I dispute the reported late payment. I have no records of this delinquency and was not properly notified. Under the FCRA, unverifiable or inaccurate information must be deleted. 

DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Late Payment * * Law Issue : FCRA Section 611, 607 ( b ), and 623 ( a ) ( 1 ) ( A ) Story : This is a duplicate account entry for the same debt, reported with a different balance. Duplicate reporting is misleading and should be deleted. 

XXXX XX/XX/XXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : This inquiry is unfamiliar and was not authorized by me. I request documentation or removal under FCRA guidelines. 

XXXX XX/XX/XXXX Inquiry Law Issue : F

CRA Section 604 ( a ) ( 3 ) Story : This inquiry was made without my approval or application. It is harming my credit and should be deleted unless validated. These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief