Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate address ( XXXX XXXX XXXX, XXXX, FL XXXX ) that is being reported on my consumer credit file by all three major credit bureaus Experian, and Equifax. 
I have never resided at or been affiliated with this address, nor have I authorized any company or creditor to use or associate this address with my identity. Its appearance on my credit file is entirely incorrect and constitutes a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX of Events I discovered that XXXX XXXX XXXX, XXXX, FL XXXX was being reported as a past or associated address on my credit file. 
I formally disputed the address in writing with each bureau ( certified mail, backdated to 66 days prior ). 
Despite ample time to respond ( beyond the FCRAs 30-day reinvestigation requirement ), none of the bureaus provided any documentation validating this address, nor have they deleted it.

The continued reporting of this false information has caused confusion, potential credit risk, and misidentification concerns.

Applicable Violations FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to Assure Maximum Possible Accuracy The bureaus failed to maintain procedures that ensure personal identifying information is accurate.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to Properly Reinvestigate Disputed Information No proof or validation has been provided confirming I ever lived at the disputed address.

FCRA 611 ( a ) ( 5 ) ( A ) Duty to Delete Unverifiable Information The credit bureaus are legally required to delete unverifiable or inaccurate information within 30 days of receiving a dispute.

FCRA 605B [ 15 U.S.C. 1681c-2 ] Duty to Block Information Resulting from Fraud or Identity Misuse Continued reporting of an unauthorized address constitutes identity-based inaccuracy and must be blocked.

FCRA 602 [ 15 U.S.C. 1681 ] Right to Fair and Accurate Credit Reporting My right to privacy and accuracy under the FCRA has been violated by inclusion of false identifying information. 
Requested Action I am requesting that the CFPB : Order Experian, Equifax, and TransUnion to delete the unauthorized address XXXX XXXX XXXX, XXXX, FL XXXX from my credit file immediately. 
Require all three bureaus to provide me with written confirmation of the deletion and full documentation of their method of verification. 
Review each bureaus internal procedures to ensure compliance with FCRA 607 ( b ) and prevent future reporting of unverified or fraudulent personal data. 
I affirm that this address has never been associated with me, and I have made every effort to resolve this matter directly with the credit bureaus before filing this complaint. The continued reporting of false identifying information is damaging and unlawful. I respectfully request that the CFPB take immediate corrective and enforcement action.

Company response to consumer: Closed with non-monetary relief