Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Wrong Address : XXXX XXXX XXXX, SC XXXX Law : FCRA Section 607 ( b ) Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. 
Issue : This address is not associated with me. Its continued reporting misrepresents my personal history. 
Story : I have never resided at XXXX XXXX, XXXX, SC XXXX. Including this address on my file falsely links me to a location unrelated to me. This misrepresentation can lead to incorrect credit decisions by lenders, denial of loans, or other financial harm. The bureau has a legal obligation to ensure that only accurate addresses appear on my file, yet this false address remains uncorrected despite my previous disputes. 

Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Law : FCRA Section 604 Bureaus can not furnish information without a reasonable basis for believing it is accurate. 
Issue : This address is completely unrelated to me. 
Story : I have never resided at XXXX XXXX XXXX XXXX XXXX. Its appearance on my credit report misleads lenders and third parties. The bureau is required by law to maintain accurate files and has failed to verify this information, creating a risk of financial harm due to mistaken identity. 

XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX | Balance Owed : {$240000.00} | Date Opened : XX/XX/XXXX | Late Payment XXXX XXXX Law : FCRA Section 611 Disputed items must be fully reinvestigated and verified. 
Issue : Reported late payments are inaccurate and unverified. 
Story : I dispute all late payments on this account. I have never received documentation proving the accuracy of these reported delinquencies. Continued reporting without verification violates my rights and falsely damages my credit profile. This misreporting affects my ability to secure loans and creates financial stress. XXXX is required, or the item must be deleted. 

XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$29000.00} | Date Opened : XX/XX/XXXX | Late Payment XXXX XXXX  Law : FCRA XXXX XXXX Bureaus must reinvestigate disputed items and remove unverifiable information. 
Issue : Reported late payments are inaccurate and unverified.

Story : The late payment on this account is incorrect and lacks verification. Reporting unverified negative information causes harm to my credit profile, increases borrowing costs, and creates undue stress. Verification documentation is required ; otherwise, the bureau must delete this inaccurate item. 

XXXX XXXX Account # : XXXXXXXX XXXX | Balance Owed : {$0.00} | Date Opened : XX/XX/XXXX | Charge Off XXXX XXXX Law : FCRA Section 611 Credit reporting agencies must reinvestigate disputed items and remove any information that can not be verified.

Issue : This account has been reported as a charge-off despite having a zero balance and no delinquency, which is inaccurate and unverifiable. 
Story : I have never had a delinquency or unpaid balance on this account. Reporting it as a charge-off falsely indicates financial irresponsibility on my part. This inaccurate reporting negatively affects my credit score, increases borrowing costs, and has caused denial or delays in obtaining credit, loans, and housing opportunities. The continued presence of this unverifiable charge-off demonstrates a failure to follow proper reinvestigation procedures under federal law. I demand that this item be fully verified with supporting documentation or permanently removed from my credit report. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

Company response to consumer: Closed with non-monetary relief