Consumer complaint received 2025-08-28 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 


ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy of consumer information Issue : This address does not belong to me and is being wrongly reported Story : I have never lived at this address, never received mail there, and have no financial accounts linked to it. Reporting a false address creates the false appearance that I have ties to locations that do not belong to me, which can lead to identity confusion and fraud risk. It damages my credibility and can cause lenders to question my stability. Since no verifiable connection exists between me and this address, it must be deleted ACCOUNT DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$6100.00} Late Payment Law : FCRA 611 and 623 require accurate reporting and reinvestigation of disputed accounts Issue : This account is showing late payments that are not accurate Story : I never received verifiable records proving the late payments listed on this account. No billing statements, signed agreements, or notices were provided during the first dispute round. Reporting this without verification causes severe harm to my credit reputation and makes me appear delinquent when no proper evidence exists. Without proof, the information is unsubstantiated and unlawful to continue reporting. I demand immediate deletion or correction ACCOUNT DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3700.00} Late Payment Law : FCRA 611 obligates reinvestigation, and FCRA 607 ( b ) requires maximum possible accuracy Issue : This account is reporting late payments inaccurately and unverifiably Story : In my first dispute, I requested validation of the late payments, but the bureau did not provide any supporting documents. Continuing to report unverifiable information damages my financial standing and violates my rights. This makes me look unreliable to future creditors without basis in verified fact. Reporting inaccurate late payments lowers my score unfairly and can affect housing, employment, and loan opportunities. I demand immediate correction or deletion This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief