Consumer complaint received 2025-10-06 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: NJ

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint for immediate investigation into serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My credit report currently reflects multiple wrong addresses, inaccurate late payments, and an invalid collection account that do not belong to me and were reported without proper verification or authorization. These false and misleading entries have severely harmed my credit reputation, caused unnecessary denials of credit, and inflicted ongoing financial and emotional distress. I am invoking my rights under 15 U.S.C. 1681i and 1681s-2 to request that the CFPB take direct action to ensure that all data furnishers and credit reporting agencies comply with federal law by removing or correcting all disputed and unverifiable information. The following are the specific items in question that must be investigated immediately. 

Account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} Late Payment * * This account reflects a late payment despite showing a XXXX balance, which contradicts logic and legal standards under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). An account that is fully paid or closed can not simultaneously show delinquency. Reporting such conflicting data violates the FCRA requirement for maximum accuracy and misrepresents my payment behavior to potential creditors. The presence of this false information damages my credit rating, affects lending decisions, and causes reputational harm. Under FCRA 611, any disputed data must undergo a reasonable reinvestigation supported by primary source documents, not automated system responses. I have not been presented with any original creditor statement or payment record showing an actual missed payment. The inclusion of unverifiable information without proper documentation is unlawful and must be corrected or deleted. Under 602A, Congress made it clear that inaccurate credit reporting directly harms consumers financial stability and trust in the credit system. Each report of false delinquency negatively affects my score and access to credit, which is unacceptable after multiple disputes. This ongoing error indicates a failure to implement reasonable procedures as required by 607 ( b ). The credit bureau must ensure that the furnisher certifies the accuracy of this data through tangible proof before re-reporting it. Any failure to comply with these legal obligations will result in further escalation through the Consumer Financial Protection Bureau and potential legal remedies under FCRA 616 for willful violations. I am requesting permanent deletion of this account if proper validation can not be produced immediately.

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations of federal law by the credit reporting agencies and furnishers. The wrongful reporting of inaccurate addresses, late payments, and a false collection account is a direct violation of my rights under the FCRA and FDCPA. I request that the CFPB compel the responsible parties to delete or correct all inaccurate and unverifiable information, conduct a lawful reinvestigation under 1681i, and provide me with written proof of compliance. I am seeking full restoration of my credit integrity, along with accountability from the entities that failed to uphold federal consumer protection standards.

Company response to consumer: Closed with non-monetary relief