Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate and unverifiable information being reported on my consumer credit report. The reporting entities and/or credit bureaus have failed to ensure maximum possible accuracy as required under FCRA 1681e ( b ), and they continue to report erroneous data despite my prior attempts to resolve these discrepancies.

1. Wrong Addresses Reported The following addresses are being incorrectly associated with my personal credit file, although I have no connection, residency, or authorization related to these locations : XXXX XXXX, XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX, XXXX, CA XXXX Wrong Address These addresses are factually inaccurate and are damaging to the integrity of my personal credit profile. I request immediate deletion of these unverifiable addresses from all credit bureau databases. 

XXXX. Inaccurate XXXX XXXX XXXX The following accounts are being reported with late payments that are entirely false and misleading. I have never made any late payments on these accounts, and therefore these derogatory notations are erroneous under FCRA 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) : XXXX CARD XXXXXXXX XXXX High Balance : {$7100.00}, Date Opened : XX/XX/XXXX XXXX CARD XXXXXXXX XXXX High Balance : {$5300.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$2300.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$4700.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$5500.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$2000.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$10000.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$23000.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$10000.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$16000.00}, Date Opened : XX/XX/XXXX Each of these accounts is being reported inaccurately with alleged late payments. I dispute these entries as factually incorrect, unverified, and in violation of the FCRAs mandate to maintain complete and accurate information. 

I am requesting a full reinvestigation and correction of all inaccurate information listed above. If the furnishers or credit reporting agencies can not verify the accuracy of the disputed data within the statutory timeframe, these items must be deleted immediately under FCRA 1681i ( a ) ( 5 ). 

Requested Resolution Immediate deletion of all wrong addresses.

Complete correction or deletion of all accounts showing false late payments. 

Written confirmation of actions taken and updated credit report copies from each bureau. 

The continued reporting of inaccurate data is a direct violation of federal consumer protection laws and has caused me measurable harm. I expect prompt action, investigation, and compliance with the statutory timeframes outlined under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief