Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB.

ADDRESSES XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is not associated with me in any way. I have never lived here, received mail, or conducted any financial activity connected to this location. Listing this address on my report misrepresents my residence history and violates the FCRA requirement that identifying information must be accurate. Such misreporting creates confusion for lenders and may expose me to potential fraud risk. XXXX XXXX  must remove any inaccurate address to ensure my file reflects only verified and lawful information. 

XXXX XXXX XXXX XXXX XXXX  NY XXXX This address has never been linked to me personally or financially. Its presence on my credit file is false and misleading, and it suggests ties to locations and individuals unrelated to me. According to the FCRA, consumer reporting agencies must maintain accurate and complete identifying information, and reporting an incorrect address is a failure of this obligation. This incorrect information could negatively affect my ability to secure credit or loans. I demand this address be fully removed. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment XXXX XXXX  This account is being reported with late payments, which is entirely inaccurate given that the balance owed is {$0.00}. Reporting late payments on a XXXX balance misrepresents my payment history and violates Section 623 of the FCRA, which requires furnishers to provide accurate information. These false late payments suggest financial irresponsibility that does not exist and mislead lenders about my credit behavior. The reporting is causing harm to my creditworthiness, potentially affecting my ability to obtain new credit. I request immediate reinvestigation and removal of these erroneous late payments. Furthermore, no documentation has been provided to support these alleged late payments, making the reporting unverifiable and unlawful under the FCRA. Continued reporting of these inaccuracies is harmful and unacceptable. 

INQUIRIES XXXXXXXX XXXX  I never applied for credit with this entity, and this inquiry was added without my authorization. The FCRA protects consumers from unauthorized access to their credit reports. This inquiry falsely portrays my financial behavior and could negatively impact my score. Immediate removal is required to maintain the accuracy of my credit report, and I expect confirmation of its deletion in writing. 

XXXX XXXX XXXX XXXX I dispute this inquiry because I did not authorize it. FCRA Section 604 mandates that only inquiries with verifiable consumer consent may appear on my report. Its inclusion is unlawful and misrepresents my credit activity, creating a false impression of frequent credit-seeking behavior. I demand removal and written confirmation once this error is corrected. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

Company response to consumer: Closed with non-monetary relief