Consumer complaint received 2025-09-12 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:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report that are causing severe financial, personal, and emotional harm. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate, incomplete, or unverifiable information. I demand immediate correction or removal of all disputed items. 
WRONG ADDRESSES XXXX XXXX XXXX, XXXX, NJ, XXXX This incorrect address is also reported as mine. I have no connection to this property. The presence of this address has caused multiple erroneous inquiries and confusion with creditors. Its continued reporting shows negligence by both the furnisher and credit reporting agencies. It has directly impacted my financial reputation, led to higher borrowing costs, and resulted in denial or delay of credit applications. Reporting false addresses violates FCRA 1681i and exposes me to identity misattribution risk. 
ACCOUNTS WITH DISPUTED INFORMATION XXXXXXXX XXXX  Open Date : XX/XX/XXXX High Balance : {$410.00} Late Payment The reported late payment is false. I have documented proof of timely payments. This inaccurate reporting has lowered my credit score, limited access to financial products, and caused undue stress and XXXX over my financial situation. Misreporting late payments constitutes a violation of FCRA 1681s-2 ( b ). The negative reporting has already impacted my ability to secure competitive interest rates and has created unnecessary barriers to financial stability. 
DEPT OF EDUCATIONXXXX XXXX Open Date : XX/XX/XXXX High Balance : {$1100.00} Late Payment The reported late payment is false. I have consistently made my payments on time and maintain records to prove compliance. The inaccurate late payment has unfairly reduced my credit score, negatively impacted my loan applications, and caused undue XXXX over my financial reputation. This reporting violates FCRA 1681s-2 ( b ) and creates unnecessary financial barriers. The stress and reputational damage resulting from this misreporting have impacted my ability to secure housing and fair loan terms. 
These inaccuracies collectively result in tangible and measurable harm. They have caused wrongful denial of loans, increased interest rates, limitations on housing and employment opportunities, and undue stress and XXXX  over financial stability. I request a thorough investigation of each disputed item and immediate correction or removal. 
These inaccuracies collectively result in measurable harm, including denial of loans, higher interest rates, limitations on housing or employment, and significant stress and XXXX. I request a thorough investigation of each disputed item and immediate correction or removal. Failure to correct these violations within the legally required timeframe will compel me to pursue all remedies under FCRA, including statutory and actual damages, attorney fees, and other relief. Credit reporting agencies and furnishers are legally obligated to maintain accurate information, and failure to do so constitutes violation of federal law.

Company response to consumer: Closed with explanation