Consumer complaint received 2025-09-29 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: ME

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report contains inaccurate and harmful information that violates my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These errors are damaging my creditworthiness, financial stability, and overall reputation. I am requesting a thorough CFPB review and immediate corrective action against the bureaus and furnishers that have allowed these violations to occur. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address is not and has never been linked to me, and its appearance on my file is a direct violation of FCRAs accuracy standards. Associating me with XXXX XXXX, California, is not only misleading but can also connect me to accounts that are not mine. FCRA 611 requires bureaus to properly reinvestigate disputed information, yet this false address remains. The inclusion of this address damages my credit reputation and creates confusion for lenders who rely on my file. It falsely paints a history of residency in California that never existed. The bureau is legally required to delete unverifiable data, and no legitimate verification can support this entry. This address may even enable fraudulent activity or mistaken reporting from other consumers in that area. By retaining this wrong address, the bureau is in willful noncompliance with federal law. I demand this address be removed permanently to restore accuracy and fairness to my file. 

XXXX XXXX XXXX XXXX, TX Wrong Address This address is completely false and can not be verified as mine by any legitimate source. Reporting a XXXX, TX address for me is inaccurate and misleading, violating FCRA 607 ( b ). It paints a false picture of my residency and could tie me to accounts or obligations that are not mine. FCRA 611 requires the bureau to delete any unverifiable information after dispute, yet this address remains wrongfully reported. Such false reporting damages my credibility with lenders and harms my ability to secure fair credit opportunities. The continued listing of this address constitutes negligent misrepresentation under the law. No permissible purpose under FCRA 604 allows for the retention of this unverifiable data. By linking me to an address where I have never resided, the bureau is exposing me to potential identity fraud risks. I have never lived at nor authorized the use of this address, and I demand its immediate removal under federal law. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$9000.00} Charge Off * * This account is inaccurately reported as a charge off and can not be verified with proper documentation. The FCRA 611 requires that disputed accounts be reinvestigated, and unverifiable information must be removed. To date, no valid proof of charge-off status has been provided. Reporting a charge off without admissible documentation is misleading under FDCPA 807, which prohibits the use of false representation in debt reporting. My rights under FCRA 607 ( b ) guarantee maximum possible accuracy, yet this account continues to damage my file with false derogatory status. No signed agreement, original contract, or admissible validation has been provided to prove this account belongs to me. Retaining unverifiable information is a violation of federal law and constitutes negligent misrepresentation. This inaccurate reporting lowers my credit score, hinders my ability to obtain fair credit, and causes unjust harm. I have disputed this previously, and the bureau has failed to demonstrate proper reinvestigation procedures. The FCRA clearly states unverifiable data must be deleted. Continuing to report this as a charge off is unlawful and noncompliant. I demand deletion of this account immediately to bring the report into legal compliance. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$930.00} Charge Off * * This second XXXX XXXX  account is also reported as a charge off without proper substantiation. FCRA 611 requires that all disputed items be verified with documentation, not assumptions or automated responses. The charge off status is a serious derogatory mark and can not legally remain if it can not be fully verified. No admissible evidence such as a signed agreement, payment history, or validation of ownership has been presented. Reporting unverifiable charge offs violates FCRA 607 ( b ) because it fails to uphold maximum accuracy standards. The bureau has failed to provide proof of permissible purpose under FCRA 604 to continue reporting this entry. FDCPA 807 prohibits misleading representations of debt, yet this account is listed in a misleading manner. The inaccurate charge-off damages my file unfairly, lowering my score and creating obstacles to credit opportunities. Without proper validation, this account must be removed by law. Failure to delete this unverifiable entry constitutes willful noncompliance and subjects the bureau to liability under FCRA 616 and 617. I am demanding immediate deletion of this account from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This TD Bank account is inaccurately reported with late payment history despite showing a XXXX balance. Reporting late payments on a closed or zero-balance account is misleading and violates FCRA 607 ( b ). The FCRA requires that disputed data be fully verified, but no admissible proof has been provided to substantiate this late payment. The bureau has failed to provide evidence such as payment records, contractual agreements, or proper validation. Without proof, the reporting of late payments is unverifiable and unlawful. FDCPA 807 prohibits the false representation of debt or payment history, yet this account falsely portrays my credit reliability. Continuing to report late payments with no outstanding balance is a direct violation of accuracy standards. This reporting harms my credit score and unfairly damages my reputation with lenders. The FCRA mandates removal of unverifiable information, and this entry has not been validated. By law, unverifiable late payment reporting must be deleted. The bureau is required to ensure fairness and accuracy, but this account fails to meet both standards. I demand immediate deletion of this entry under federal law. 

The errors listed above demonstrate repeated violations of the FCRA and FDCPA, and they have had a severe negative impact on my life by preventing me from obtaining fair credit opportunities. I request that the CFPB take immediate enforcement action to ensure these accounts and inquiries are corrected or removed, and to prevent further harm from being caused by these inaccurate and unlawful credit reporting practices.

Company response to consumer: Closed with non-monetary relief