Consumer complaint received 2025-08-22 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:
b'I am submitting this complaint to the Consumer Financial Protection Bureau (CFPB) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law.\n\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnLaw: FCRA  609(a) and  611(a) require consumer reporting agencies to ensure maximum accuracy of personal identifying information\nIssue: This address does not belong to me and should not be linked to my file\nStory: I have never resided at this address nor signed any rental agreements or utility services here, yet it is listed in my file which confuses lenders, creates false links to other individuals, and could result in fraudulent associations that lower my creditworthiness, the reporting of this address is harmful and misleading\n\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnLaw: FCRA  611 requires inaccurate or unverifiable information to be deleted or corrected promptly\nIssue: I have no connection to this address and it is incorrectly tied to me\nStory: This listing suggests that I lived there, which I did not, and may result in my credit file being linked with another persons accounts or collections, causing ongoing harm by lowering my score and damaging my credibility with lenders\n\nAccount: XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment**\nLaw: FCRA  602A,  607(b),  611(a) prohibit inaccurate reporting and require reinvestigation\nIssue: This account is reporting late payments incorrectly\nStory: This account was closed and paid, but it still reports late payment marks which are damaging, I always maintained timely payments but delays in bank posting created errors, continuing to report lateness is unfair, misleading, and must be corrected immediately\n\nAccount: XXXX XXXX XXXX  Date Reported: XXXX Balance: XXXX Late Payment**\nLaw: FCRA  609(a) and  611 require complete and accurate reporting\nIssue: Account reflects negative payment history even though the balance is zero\nStory: Reporting lates on an account that is fully paid contradicts itself and unfairly punishes me twice, one for past payment history and another for balance misreporting, no documentation has been provided proving these lates were legitimate, therefore this is inaccurate and unverifiable\n\nAccount: XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment**\nLaw: FCRA  611 requires deletion of unverifiable data\nIssue: Late payment reporting is inaccurate\nStory: Payments were made but due to Department of Education servicer transitions, some were posted late despite being paid on time, this is not consumer fault and should not appear as delinquency, yet it remains on file creating an unfairly negative history\n\nAccount: XXXX XXXX XXXX  Date Opened: XXXX  Balance Owed: XXXX Late Payment**\nLaw: FCRA  607(b) requires maximum accuracy\nIssue: Duplicate reporting of the same loan with different balance\nStory: This appears to be a duplicate entry that exaggerates my debt, it misleads lenders into believing I had multiple defaults when in reality it is the same obligation incorrectly split into two files, this misreporting causes significant harm\n\nAccount: XXXX XXXX XXXX  Date Opened: XXXX Balance Owed: XXXX Late Payment**\nLaw: FCRA  611 and  623(a)(1)(A) require furnishers to provide accurate information\nIssue: Reported late entries are inaccurate\nStory: My servicers own delays in processing payments resulted in artificial lateness being reported, I had sufficient funds and timely payments made, the reporting system failure should not be held against me and must be corrected\n\nAccount: XXXX XXXX XXXX Date Opened: XXXX  Balance Owed: XXXX  Late Payment**\nLaw: FCRA  609 and  611\nIssue: Duplicate entry of the same account\nStory: This is another duplicate that creates false impression of multiple defaults, these duplicates lower my score unfairly and must be eliminated immediately as they are not a true reflection of my payment history\n\nAccount: XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment**\nLaw: FCRA  607(b) and  611\nIssue: Late payments reported incorrectly\nStory: This account went into deferment and transition, and payments were not required during part of this reporting period, yet lates are shown, this contradicts the loan agreement and harms my report without justification\n\nAccount: XXXX XXXX XXXX Date Opened: XXXX  Balance Owed: XXXX  Late Payment**\nLaw: FCRA  611 dispute process\nIssue: Balance and late history are inconsistent with actual records\nStory: The balance and payment history on this account differ from Department of Education records, showing inflated debt and false delinquencies, if verification cannot be provided, deletion is the only acceptable resolution\n\nAccount: XXXX XXXX XXXX  Date Opened: XXXX Balance Owed: XXXX Late Payment**\nLaw: FCRA  611(a)\nIssue: Late payments unverifiable and incorrect\nStory: During this period my account was under deferment and no payment was due, yet credit bureaus report late marks, this is a falsehood that directly damages my credit score and is not supported by any legitimate documentation\n\nAccount: XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX Late Payment**\nLaw: FCRA  611 and  623\nIssue: Late payment marks are inaccurate and must be verified or removed\nStory: At the time these lates were reported my loan was in forbearance, no late payments could legally exist during that status, therefore this reporting is completely false and must be deleted if it cannot be fully substantiated with documentation\n\nI am asking the Consumer Financial Protection Bureau (CFPB) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.'

Company response to consumer: Closed with non-monetary relief