Consumer complaint received 2025-08-23 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Section 609 and Section 611 guarantee that all reported addresses must be accurate, complete, and verifiable. 
Issue : This address is being wrongly listed on my credit report. 
Story : I have no ownership, rental, or occupancy connection to this location. This error makes it appear that I have lived in multiple places where I have never resided, which damages the accuracy of my personal identifying information. 
Instruction : Remove this address from my credit file and ensure it is not reinserted without full certification of accuracy. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment XXXX XXXX Law : FCRA Section 609 and Section 611 require that all accounts reported must be accurate, fair, and verifiable. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. 
Issue : This account is being inaccurately reported with a late payment despite showing a {$0.00} balance owed. 
Story : It is not logical or accurate to report a negative late payment status when the account has been closed with a XXXX balance. This misrepresentation is damaging to my credit profile and does not reflect the true standing of the account. 
Instruction : Correct or permanently delete this account from my report because the late payment is unverifiable, inaccurate, and misleading. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 makes clear that consumer reports may not be accessed without permissible purpose.

Issue : This inquiry is fraudulent and not connected to any credit application I initiated. 
Story : I never gave RiversideI permission to access my report. Unauthorized inquiries reduce my score unfairly and create risk of misrepresentation. 
Instruction : Remove this inquiry from my file and block it from being reinserted without my written consent. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

Company response to consumer: Closed with explanation