Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
To the Consumer Financial Protection Bureau I am filing this complaint because the credit bureaus and furnishers continue to report information that is not mine, false late payments, unauthorized inquiries, and wrong addresses even after multiple disputes. These errors violate my rights under the FCRA and continue to cause harm. I am requesting immediate enforcement and correction. 

XXXX XXXX XXXX XXXX, XXXX, NJ XXXX I have no connection with this address and its continued presence violates 15 USC 1681e ( b ) because you are reporting an address that can not be verified as mine. After two previous disputes, failure to correct this inaccurate address violates 1681i. This address must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX This address does not belong to me and can not be tied to any of my records. Reporting this unverifiable address violates 1681e ( b ) and failing to correct it after prior disputes violates 1681i. Delete this address immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00} Late Payment This late payment reporting is inaccurate because I have never made a late payment on this account and publishing false delinquency violates 1681e ( b ). My prior disputes show that reinvestigation under 1681i was not reasonably conducted. The full payment history must be corrected to reflect on-time payments only. 

XXXX XXXX Open Date XX/XX/XXXX High Balance {$840.00} Late Payment The alleged late payment is incorrect because I have never made a late payment on this account. Reporting inaccurate delinquency violates 1681e ( b ) and the continued failure to correct this error violates 1681i. I demand a full correction of the payment history. 

XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX High Balance {$300.00} Late Payment The late payment information is inaccurate because I have never made a late payment on this account. This violates 1681e ( b ) and the failure to fix it after prior disputes violates 1681i. Correct the payment history immediately. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment history is inaccurate because I have never made a late payment on this account. Reporting false delinquency violates 1681e ( b ) and failing to correct it after prior disputes violates 1681i. Correct the payment history immediately. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and violates XXXX because there is no permissible purpose. Delete this inquiry. 

XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and violates 1681b. Delete this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was pulled without my permission and violates 1681b. It must be removed. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry lacks permissible purpose under 1681b and must be deleted. 

XXXX XX/XX/XXXX This inquiry was not authorized by me and violates 1681b. Delete this inquiry. 

These inaccuracies have harmed me financially and emotionally, and the failures to correct them show non-compliance with federal law. I request CFPB intervention to require immediate correction, deletion where necessary, and enforcement of all FCRA obligations.

Company response to consumer: Closed with non-monetary relief