Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
I am filing this complaint because multiple furnishers are reporting late payments that never occurred, violating FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). I always pay on time, yet inaccurate data continues to harm me. I request immediate correction of all false late payment histories. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX This address does not belong to me, and reporting a false address violates FCRA 607 ( b ) s accuracy requirement. Since the bureau can not verify this as my residence with factual proof, it must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX This address is not and has never been associated with me, and reporting false personal information violates FCRA 607 ( b ) s requirement for accuracy. Since there is no documentation proving this address belongs to me, it must be removed. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$55.00} Chargeoff I have no knowledge of this account, and no evidence exists to prove I authorized it. Under FCRA 611 ( a ) and 602 ( a ), unverifiable accounts must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$480.00} Chargeoff This account is unfamiliar to me, and no contract or identifying documentation has ever been provided. Reporting information without verification violates FCRA 607 ( b ). I request deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Chargeoff I do not recognize this account. There is no proof linking me to this alleged obligation. Under FCRA 611 ( a ), if an item can not be fully verified, it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Chargeoff This account is unknown to me and appears without any legal verification. Reporting such information violates FCRA 602 ( a ) and 607 ( b ). Please delete this account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Chargeoff I have no knowledge of this account, and there is no validated documentation to confirm accuracy. Under FCRA 611 ( a ), unverifiable data must be deleted. I request immediate removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Collection I do not recognize this collection account. No agreement or verified proof of responsibility has ever been provided. Reporting this violates FCRA 602 ( a ) and 607 ( b ). Please delete this item. 

INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and were made without a permissible purpose, violating FCRA 604 ( a ) ( 2 ) and 607 ( b ). I request deletion of all listed inquiries. 

I respectfully request CFPB intervention because these repeated inaccuracies show the furnishers have not complied with the FCRA and continue to report false derogatory information that harms me.

Company response to consumer: Closed with non-monetary relief