Consumer complaint received 2025-10-08 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: MA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report that have caused significant harm to my credit profile, financial opportunities, and personal wellbeing. I demand a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws, as these inaccuracies represent violations of my rights to accurate credit reporting and dispute resolution. I expect CFPB oversight to ensure that all errors are corrected and that responsible reporting practices are enforced. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This address is not associated with me. Reporting an incorrect address misidentifies my residence and may contribute to fraudulent account activity or mistaken identity. Under FCRA Section 609, I have the right to obtain all identifying information in my report. Section 611 ( a ) requires the credit bureau to reinvestigate any disputed information. Inaccurate addresses mislead creditors and can result in false negative accounts being added. The continued reporting of this wrong address has already affected my ability to receive correspondence from lenders and financial institutions. This inaccuracy also increases the risk of identity theft, as my correct address is not used for verification purposes. I request full investigation and immediate correction or removal of this address. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Chargeoff * * This account is inaccurately reported as a charge-off. My records indicate no default, missed payments, or delinquency consistent with a charge-off. FCRA Sections 609 and 611 ( a ) require verification from the creditor and removal if unverifiable. The incorrect reporting has already caused lenders to view my credit profile as higher risk, adversely affecting my loan applications. Reinvestigation is necessary to confirm the true status of this account. The continued reporting of false information violates my rights and harms my creditworthiness. Misrepresentation of this account as charged-off is materially damaging. Verification must include all payment history, notices, and correspondence. If XXXX XXXX can not provide full verification, deletion is mandatory. This inaccurate reporting directly impairs my ability to secure fair credit and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$130.00} Chargeoff * * This account has been wrongly reported as a charge-off. My records demonstrate consistent payment history and no default. Section 611 ( a ) mandates a full reinvestigation. Failing to remove unverifiable charge-offs violates federal law and negatively impacts credit access. The false charge-off has caused lenders to reject applications and assess higher interest rates. Verification must include complete payment history, account statements, and proof of any actual delinquency. Misreporting this account creates reputational harm and financial setbacks. Reinvestigation should determine the accuracy of the balance, date of default, and status. Any unverifiable information must be deleted to restore accuracy. Immediate attention to this item is necessary to prevent further financial harm. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late Payment * * Payment reporting is inaccurate and unsupported by documentation. FCRA Sections 609 and 611 ( a ) require full verification and correction of unverifiable items. Misreporting late payments misrepresents my payment history, adversely affecting lenders assessment of my reliability. Documentation in my possession contradicts this late payment. Reporting false late payments diminishes my opportunities for fair loans. Verification must include all official payment records, notices, and agreements. The continued reporting of inaccuracies violates my rights and creates unnecessary financial stress. Deletion is required if unverifiable. My financial reputation is at stake due to incorrect reporting. Immediate reinvestigation is demanded. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment * * This late payment entry is also inaccurate. Documentation in my possession disproves this claim. Under FCRA Sections 609 and 611 ( a ), I have the right to require verification. Reinvestigation must confirm the accuracy or remove the item. Misreporting undermines my credit profile and ability to obtain loans. It increases my borrowing costs and harms financial planning. Verification should include payment history, correspondence, and evidence of delinquency if any. Failure to correct or remove violates federal law. Unverifiable items must be deleted promptly. Financial institutions rely on accurate reporting to make lending decisions. Immediate correction or deletion is necessary. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Chargeoff * * The charge-off status is inaccurate. My account history reflects active payment compliance and no default. FCRA Section 611 ( a ) mandates a full investigation, and Section 609 requires verification. Misreporting this charge-off harms my credit reputation and results in unjustified denial of credit. Verification must include complete payment records, default notices, and creditor statements. Inaccurate reporting impacts loan terms and insurance approvals. Removal is required if unverifiable. Reinvestigation must include dates, balances, and creditor documentation. The continued presence of this false charge-off is materially damaging. Immediate correction or deletion is demanded. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Late Payment * * This late payment is inaccurately reported. Section 611 ( a ) mandates reinvestigation, and unverifiable items must be deleted. Reporting false late payments misrepresents my financial responsibility. Verification must include full payment history and creditor correspondence. Misreporting adversely affects interest rates, loan approvals, and financial planning. Continued inaccuracies violate FCRA Sections 607 ( b ) and 611 ( a ). Correction or deletion is required. Lenders must be provided accurate reporting for fair assessment. Financial harm continues until resolved. Immediate action is necessary to ensure compliance with federal law. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This account is incorrectly labeled as charged-off. Records show XXXX balance and no default. Under FCRA Sections 609 and 611 ( a ), verification from the creditor is required, or the item must be deleted. Misreporting misleads lenders and harms my credit score. Verification must include all account statements and notices. The false charge-off creates undue financial stress and potential loan denials. Reporting inaccurate information violates federal law. Immediate reinvestigation and deletion are demanded if unverifiable. Financial harm persists until corrected. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Late Payment * * Inaccurate reporting of late payment violates FCRA Sections 607 ( b ) and 611 ( a ). Documentation shows no delinquency. Reporting false late payments misleads lenders and affects financial credibility. Verification must include all payment history and creditor correspondence. Continued reporting creates harm to credit access and borrowing costs. Reinvestigation is required. Deletion of unverifiable items is mandatory. Immediate compliance is demanded. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Late Payment * * This entry is inaccurate and unverified. FCRA Section 611 ( a ) obligates the bureau to reinvestigate fully. Misreporting damages credit standing, increases borrowing costs, and misrepresents financial reliability. Verification must include all payment records. Unverifiable entries must be removed. Immediate correction is required. Failure to act violates federal law. Lenders must receive accurate information. Financial harm continues until resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Chargeoff * * Inaccurately listed as charge-off. My records do not reflect default. Sections 609 and 611 ( a ) require verification or deletion. Misreporting causes credit denials and higher interest rates. Verification must include statements, notices, and creditor confirmation. Unverifiable charge-offs must be removed. Reinvestigation is required. Reporting false information violates federal law. Immediate correction is demanded. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Chargeoff * * Similarly, this charge-off is incorrectly reported. Verification under Section 611 ( a ) is required. Unverifiable items must be deleted. Misreporting misleads lenders and affects my financial reputation. Verification must include creditor records, payment history, and delinquency evidence. The ongoing presence of this false account is materially harmful. Immediate deletion or correction is demanded. 

XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Chargeoff * * Account inaccurately reported as charge-off. Sections 609 and 611 ( a ) require verification. Misreporting harms my credit score, lender evaluation, and loan approval chances. Verification must include all statements, notices, and correspondence. Deletion is required if unverifiable. The inaccurate record creates financial hardship. Reinvestigation is demanded. Federal law requires correction. Immediate action is necessary. 

XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$150.00} Collection * * Collection account inaccurately reported. Section 611 ( a ) requires verification. Misreporting misleads lenders and creates financial burden. Verification must include all collection notices and payment history. Deletion is required if unverifiable. Reporting false collections violates FCRA. Continued reporting causes harm. Immediate reinvestigation is demanded. Financial and credit access impact persists. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} Collection * * Collection entry inaccurate. Verification under FCRA Section 611 ( a ) is required. Misreporting damages creditworthiness. Verification must include all account statements, correspondence, and payment records. Deletion if unverifiable is mandatory. Continued reporting harms financial reputation. Immediate action demanded. Federal law requires correction. Financial harm persists until corrected. 

XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Section 604 ( a ) of FCRA requires permissible purpose. Unauthorized inquiries must be removed. Misreporting violates federal law and impacts credit score. Verification of authorization must be provided. Deletion is mandatory. Failure to remove violates legal rights. Impact on credit score continues until resolved. Immediate correction is demanded. Financial reputation is at stake. 

XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. FCRA Section 604 ( a ) applies. Must be deleted if not authorized. Reporting without permission violates federal law. Verification of authorization required. Deletion is mandatory. Continued presence harms credit. Immediate correction demanded. Legal compliance required. Financial harm continues until resolved. 

I formally request CFPB intervention to enforce compliance with FCRA and ensure all inaccurate late payments and unauthorized inquiries are corrected immediately. I am entitled to accurate credit reporting, and the continued presence of these errors constitutes a violation of federal law and harms my financial well-being. I expect CFPB oversight to guarantee that all errors are removed, responsible parties are held accountable, and my consumer rights are fully protected.

Company response to consumer: Closed with non-monetary relief