Consumer complaint received 2025-11-24 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:
I am filing this complaint because multiple items on my credit report are inaccurate, unverifiable, and reported in violation of FCRA. I have disputed these items, but the credit bureaus and furnishers failed to provide proof or conduct a lawful reinvestigation under FCRA 602, 603, 607, 609, 611, and 623. These errors continue to harm my credit and must be corrected. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX This address does not belong to me and has never been connected to my identity, residence history, employment, or any application I have submitted. Reporting an address I have never lived at violates FCRA 607 and directly undermines the accuracy obligations you must maintain. Since this address can not be verified with any legitimate proof connected to me, it must be removed immediately for failure to meet the standards of accuracy required under federal law. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * The late payment reporting is inaccurate because I have never missed or failed to make a required payment on this account at any time. Reporting a late payment without verifiable proof violates FCRA 611 and 623 because furnishers must only report information that is fully accurate and capable of verification. Since no proof of delinquency exists, this late history must be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$890.00} Late Payment * * This late payment history is false and can not be substantiated by any real documentation. I have never submitted a late payment for this account. Any furnisher reporting delinquency must provide complete records proving it occurred, and without such evidence the account can not legally remain in a derogatory status. FCRA 623 strictly prohibits unverifiable negative information, so this must be updated immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$24000.00} Late Payment * * I have never failed to make any payment on this account and no valid documentation exists supporting a delinquency. Reporting a false late payment harms my credit standing and violates FCRA 607 ( b ) and 623 ( a ). Since there is no verifiable proof of any late activity, this inaccurate payment history must be corrected. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late Payment * This late payment reporting is inaccurate and can not be verified with any legitimate records. I have never made a late payment on this account and therefore you can not continue reporting it as delinquent. Under FCRA 611 and 623, unverified negative information must be corrected or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Chargeoff * * I have no knowledge of this account and no relationship with the furnisher. Since this alleged debt is unfamiliar and unverifiable, it violates FCRA 611 and 623 by reporting unproven financial data linked to my name. Any account I can not recognize or confirm must be deleted entirely because no lawful verification can exist for an unknown relationship. 

XXXX  XX/XX/XXXX I did not authorize this inquiry and have no record of applying for credit with this company. Under FCRA 604 ( a ) ( 3 ), a bureau may only report inquiries with a permissible purpose. Because this creditor can not provide any documentation showing that I initiated or permitted this inquiry, it must be removed for failure to meet permissible purpose requirements.

I am requesting the CFPB to investigate these inaccurate and unlawful reporting practices, compel the furnishers to produce actual documentation proving these claims, and require the removal or correction of any entry that can not be verified with legally acceptable proof. These continued violations have caused financial harm, emotional distress, and denial of fair credit opportunities. I request immediate enforcement of my rights under federal law and full accountability from the bureaus and furnishers.

Company response to consumer: Closed with non-monetary relief