Consumer complaint received 2025-09-09 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 filing a complaint regarding multiple inaccurate and unverifiable items being reported on my consumer credit report. These errors include wrong addresses and late payment notations that violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ). These inaccuracies have caused significant financial harm, emotional distress, and denial of fair credit opportunities.

Wrong Addresses Reported ( Violation of FCRA 609 & 610 Accuracy & Identity Protection ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never lived at or been associated with this address. Reporting this address creates a false identity link that exposes me to fraud and misrepresentation. Because of this false reporting, I have been questioned by lenders about my residency history, which delayed and denied approval of legitimate applications. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This is another inaccurate and false address that has nothing to do with me. Retaining this wrong information is a violation of my rights. Because of this error, I have been connected to unrelated accounts and faced suspicion of fraudulent activity. This has created stress, embarrassment, and denial of opportunities that I rightfully qualified for. 
Accounts with Late Payments ( Violation of FCRA 607 ( b ) Maximum Possible Accuracy ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$86000.00} Late Payment The late payments reported are inaccurate and unverifiable. Because of this derogatory reporting, I have been denied mortgage refinancing and forced into higher-cost credit products. This account has followed me unfairly for years, damaging my reputation without proper validation. No creditor has provided proof that these lates are accurate, which violates FCRA 611. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$32000.00} Late Payment This account is reporting negative history that is inconsistent and unverifiable. Because of this false entry, I was denied a student loan refinance and ended up paying higher interest, which has directly harmed me financially. This error also appeared during employment background checks, costing me job opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$29000.00} Late Payment The reporting on this account is inaccurate and misleading. The alleged late payments are not verifiable with any documentation. Because of this error, I was unable to secure a fair auto loan interest rate and was forced to accept a loan with significantly higher payments. This false reporting continues to cause severe harm and must be corrected immediately. 
Harm Caused : Denied mortgage refinancing and higher housing costs. 
Denied student loan refinance and forced into higher interest.

Lost job opportunities due to inaccurate credit report.

Forced into unfair auto loan terms with high monthly payments. 
Emotional stress and reputational damage from false reporting.

Resolution Requested : 1. Permanently delete all wrong addresses from my consumer credit report.

2. Remove all unverifiable and inaccurate late payment notations from the listed accounts.

3. Conduct a full reinvestigation in compliance with FCRA 611 and provide written proof of accuracy.

4. Provide confirmation of deletions and corrections within 30 days.

Company response to consumer: Closed with non-monetary relief