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: NV

Complaint narrative:
To Whom It May Concern I am filing this complaint because my credit report contains several serious inaccuracies and unverifiable items that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors are harmful, misleading, and unlawful. I have disputed these items multiple times but the credit bureaus and furnishers have continued to report them without proper investigation or validation. This is a direct violation of FCRA 1681e ( b ) which requires maximum possible accuracy, FCRA 1681i which requires reinvestigation of disputes, and FDCPA 1692e which prohibits the reporting of false or misleading information. The following items must be addressed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This address is not mine and has never been connected to me in any way. Law : FCRA 1681e ( b ) requires only accurate and verifiable information to be reported. Story : I have never lived at or been associated with this New York address, yet it remains on my report, making it appear as though I have lived in locations that are completely unrelated to my life. This error not only raises concerns of possible identity theft but also confuses lenders who review my file. Every time I apply for credit, this false address increases the chance that I will be treated as a high-risk applicant. It also makes it extremely difficult to prove my true residency history when applying for housing, utilities, or financial accounts. Having an unrelated address on my credit file creates an appearance of instability and fraud, which is deeply unfair to me as a consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address Issue : This XXXX address is also completely inaccurate and has no connection to me. Law : FCRA 1681i requires removal of unverifiable information after a dispute. Story : I have no history in the state of XXXX, yet this address continues to appear on my credit report. This is misleading, damaging, and opens the door for possible fraudulent accounts to be tied to me. When I dispute this with the credit reporting agencies, they simply verify it without giving me any evidence or documentation of how they connected me to this address. This careless reporting undermines the accuracy of the entire credit reporting system. Having a false address on my file can cause me to be denied loans, job opportunities, and housing because it paints an inaccurate picture of my background and creates a risk of mistaken identity. 
XXXXXXXX XXXX XXXXXXXX * * * * High Balance : {$790.00} Date Opened : XX/XX/XXXX Chargeoff Issue : This account is being reported as a charge-off without proper documentation or validation. Law : FCRA 1681i requires reinvestigation of disputed items, and FDCPA 1692g requires validation of debts before collection or reporting. Story : I have never received any official documentation proving that this debt is valid or that the amount reported is correct. Reporting a charge-off is one of the most damaging items to a consumers credit profile, and doing so without proper validation is both unlawful and harmful. This account continues to suggest that I defaulted on an obligation when in reality no one has been able to prove that I even owed this balance. This is reckless reporting that lowers my credit score, prevents me from accessing fair credit, and unfairly labels me as irresponsible. Under federal law, furnishers must have solid proof before reporting such a serious negative tradeline, yet this was not done in my case. 
XXXX XXXX XXXX High Balance : {$390.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payments are being reported inaccurately on this account without proper verification. Law : FCRA 1681e ( b ) requires credit information to be completely accurate, and FCRA 1681s-2 requires furnishers to stop reporting false information once disputed. Story : This account has been marked with late payments that I have disputed repeatedly, but XXXX XXXX has failed to provide any proof. These false late payments make it look like I have a habit of missing payments, which is not true. Because of this, I have faced higher interest rates and even rejections when trying to secure credit. It is deeply unfair to be punished financially and personally because of inaccurate data that the furnisher refuses to properly investigate or correct. 
XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payments are reported on this account without adequate proof or validation. Law : FCRA 1681s-2 and 1681i require accurate reporting and reinvestigation of disputes. Story : I have made formal disputes about these reported late payments, yet the information remains unchanged without any evidence being provided to support it. As a result, my credit score has dropped, and I have been unfairly portrayed as financially irresponsible. This inaccurate information affects not only my credit but also my ability to secure stable housing and employment since many employers and landlords now check credit reports. AMEXs refusal to correct or validate these negative marks is not only irresponsible but unlawful under federal law. 
XXXX XXXXXXXX XXXX XXXXXXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Late Payment Issue : This auto loan account is reporting late payments that are inaccurate and not properly validated. Law : FCRA 1681i requires deletion of unverifiable information, and FDCPA 1692e ( 8 ) prohibits communication of false credit information. Story : I specifically requested that XXXX XXXX XXXX provide documentation of these alleged late payments, but nothing has been presented. Despite this, the late payments remain on my credit file, causing significant damage to my score. This misinformation makes it appear as though I failed to meet my auto loan obligations, which is false. Because of these inaccuracies, I have been denied fair financing opportunities, and I continue to suffer financial and emotional harm every day these false reports remain. 
In conclusion, the above items are inaccurate, unverifiable, and violate federal law. Wrong addresses create identity confusion and risk, while charge-offs and late payments reported without validation destroy my creditworthiness unfairly. I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these violations, require the deletion of these false items from my credit report, and ensure that the credit bureaus and furnishers comply with FCRA and FDCPA requirements. These inaccurate items have caused me repeated credit denials, higher interest rates, emotional stress, and damage to my reputation. I demand that my credit report be corrected to reflect only accurate, verifiable, and lawful information.

Company response to consumer: Closed with explanation