Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 602 ( A ), 604, 607 ( B ), 609 ( C ), 610, 611, 623 Issue : This address is inaccurate, not mine, and does not belong to my legal residential history.

Story : I have never lived at this address, nor have I authorized its association with my credit file. It appears to be connected to incorrect or fraudulent activity and must be permanently removed from my report immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$18000.00} Late Payments XXXX XXXX  Law : FCRA 602 ( B ), 607 ( B ), 609 ( A ), 611 ( A ), 623 ( A ) ( 1 ) ( A ) Issue : This account is reporting multiple late payments that are inaccurate and unverified. 
Story : I do not recall any late payments on this account and have not received proper validation from either the furnisher or the bureau. The record of lateness is damaging and unsubstantiated. I am requesting permanent deletion due to failure to verify. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7700.00} Collection XXXX XXXX Law : FCRA 602 ( A ), 607 ( B ), 609 ( A ) ( 1 ), 611, 623 Issue : This collection account is being inaccurately reported without sufficient documentation or proper legal process. 
Story : I was never notified regarding this debt, and no contract or signed authorization has been provided to justify the reporting. It violates my rights under the FCRA, and I demand deletion due to lack of verifiable proof. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$11000.00} Charge Off XXXX XXXX  Law : FCRA 602 ( B ), 607 ( B ), 609 ( A ), 611 ( A ), 623 Issue : This charge-off account is unverifiable and lacks documented proof of accuracy.

Story : I have no knowledge of a legitimate obligation or default that would justify this charge-off. It appears to be a mistake or error in reporting. I have requested validation, but none was provided. Therefore, this item must be deleted. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2600.00} Charge Off XXXX XXXX Law : FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611, 623 Issue : This charge-off is inaccurate and potentially duplicated, contributing to artificially lowered creditworthiness. 
Story : I dispute this record as there is no credible or verifiable documentation to support its presence. It is either duplicative of another item or completely unsubstantiated. I am requesting permanent removal under my rights. 

I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from XXXX credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

Company response to consumer: Closed with non-monetary relief