Consumer complaint received 2025-11-07 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:
Dear CFPB Representative, I am submitting this complaint because several creditors and credit bureaus are reporting inaccurate and unverifiable information on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my attempts to dispute these inaccuracies with the credit bureaus, the information continues to appear on my report. 
Personal Information Dispute XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  NY XXXX This address is being reported incorrectly. I never authorized this address to be associated with my credit file. Please remove this inaccurate address from my credit report as it may be connected to accounts or activities not belonging to me. 
Account Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$790.00} Date Opened : XXXX Status : Charge-Off This information is inaccurate and unverifiable. I have no record or knowledge of this account ever being charged off. I request that you verify its accuracy with complete payment history, original documentation, and date of first delinquency. If you can not verify this information under FCRA 611 ( a ) ( 5 ), please delete this account immediately. 
XXXX XXXX Account XXXX High Balance : {$390.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment This reporting is incorrect. I have always made my payments on time and never had any late payments reported by this creditor. Please review and correct this reporting under FCRA 607 ( b ) for accuracy. If the furnisher can not provide full proof of late payments, please update the account to reflect an on-time payment history. 
XXXX Account XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment This account has been incorrectly reported as delinquent. I have no history of late payments and dispute the validity of any such entries. Please conduct a reinvestigation and correct or delete any unverifiable late payment data as required by FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Account XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment I am disputing the accuracy of this reported late payment. My records indicate timely payments during the account period. Please review and correct this account immediately to reflect an accurate payment record. 
Violation Summary The continued reporting of inaccurate, unverified, and unauthorized information violates multiple sections of the Fair Credit Reporting Act, including but not limited to : FCRA 602 ( a ) : Ensuring fairness, accuracy, and privacy of consumer information.

FCRA 607 ( b ) : Duty to maintain maximum possible accuracy.

FCRA 611 ( a ) : Right to dispute inaccurate information.

FCRA 604 ( a ) : Limitations on permissible use of consumer reports.

Requested Resolution 1. Immediate reinvestigation and correction/deletion of all inaccurate account information and the wrong address. 
XXXX. Deletion of the unauthorized XXXX inquiry. 
XXXX. Confirmation in writing of all corrective actions taken. 
XXXX. Enforcement of penalties or compliance actions against any furnishers or credit bureaus found in violation of FCRA. 
Supporting Documents Attached Copy of my ID and proof of current address Copies of prior dispute letters sent to the credit bureaus Credit report highlighting disputed accounts and incorrect information I am requesting the CFPBs assistance in ensuring that the credit bureaus and furnishers comply with federal law and correct these serious inaccuracies that are damaging my credit profile. 
Thank you for your attention and for helping protect consumer rights.

Company response to consumer: Closed with explanation