Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple inaccuracies found in my credit report issued by your agency. These discrepancies not only misrepresent my credit history but have also caused substantial harm to my financial reputation and credit score. In this letter, I have detailed each error, provided context, and cited the relevant laws that support my claim for correction. I respectfully request that you investigate these issues promptly and rectify them according to my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
The first issue concerns the inaccurate addresses listed on my credit report, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These addresses are incorrect and have never been associated with me. I have never resided at either of these locations, and I believe this information has been mistakenly reported. Under FCRA Section 607 ( b ), credit reporting agencies are legally obligated to ensure that the information they provide is accurate and complete. The inclusion of these incorrect addresses is a violation of my rights as a consumer, and it has led to confusion in the verification of my identity and credit history. I request that you remove these erroneous addresses from my credit report immediately and update it with my correct, current address. Continuing to report inaccurate addresses may further complicate my ability to secure financial services or apply for credit in the future. 
In addition to the inaccurate addresses, I am also disputing an account under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$15000.00}, which was opened on XX/XX/XXXX. According to the report, this account is marked as having a XXXX late payment in XX/XX/XXXX, which I believe to be a mistake. I have thoroughly reviewed my payment history and can confirm that I made all payments on time for this account. I have never missed a payment or been late, and I have kept records of all communications and transactions with XXXX XXXX. The FCRA Section 609 stipulates that I am entitled to a credit report that accurately reflects my financial behavior, and this incorrect late payment entry is damaging to my credit score. The erroneous late payment is not only inaccurate but is also affecting my ability to obtain credit or loans. I respectfully request that you investigate this account, verify the payment history, and update the credit report to reflect my actual on-time payments. 
The final issue I am disputing involves an account under XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$1400.00}. This account is marked as closed late, which is incorrect. As with the XXXX XXXX  account, I have always adhered to the terms of the agreement, and there has been no late closure or negative payment history associated with this account. This entry is entirely inaccurate, and I suspect that this issue may stem from an internal error, a miscommunication with the lender, or incorrect reporting on your part. Under FCRA Section 611, I have the right to dispute inaccurate information, and your agency is obligated to investigate this issue and correct the report within XXXX  days. The Consumer Financial Protection Bureau ( CFPB ) also mandates that financial institutions and credit bureaus ensure the accuracy of the information they report. The inaccurate reporting of a late closure is harmful to my credit standing and violates my rights as a consumer. I request that you conduct a thorough investigation into this account and correct the error promptly, removing any false indication of a late closure from my credit report. 
These issues, incorrect addresses, inaccurate late payment on the XXXX XXXX  account, and false reporting of a late closure for XXXX, are all damaging to my creditworthiness and violate my rights under the Fair Credit Reporting Act and the Consumer Financial Protection Bureaus guidelines . Under FCRA Section 609, I am entitled to an accurate and complete credit report. The FCRA Section 607 ( b ) mandates that credit reporting agencies use reasonable procedures to ensure the maximum possible accuracy of the information they report, and these errors are a clear violation of that standard. Furthermore, FCRA Section 611 requires that credit bureaus investigate disputed information and provide an update within XXXX  days.

Company response to consumer: Closed with non-monetary relief