Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
I am submitting this formal complaint against XXXX  for reporting multiple inaccurate and unverified items on my credit file, as well as allowing unauthorized inquiries to appear without my consent. These reporting errors are damaging my creditworthiness, misrepresenting my identity, and violating my rights under the Fair Credit Reporting Act ( FCRA ).

Below is a detailed list of the errors and issues on my credit report : Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Wrong Address I have never lived at or been associated with these addresses. They are completely inaccurate and must be removed immediately from my credit profile. Having incorrect addresses linked to my file suggests possible mixed credit files or identity confusion.

Inaccurate Account Information : XXXX XXXX  ( Acct : XXXX ) Date Opened : XX/XX/year> Balance Owed : {$43000.00} Reported as Late Payment This account is reporting false late payments. I have never been late with this account, and there is no record supporting these claims. Please verify directly with the original creditor and correct the payment history to accurately reflect my on-time payments. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$0.00} Reported as Late Payment This account shows late payments despite having a {$0.00} balance and no delinquency record. This is clearly a reporting error and must be corrected immediately to reflect an accurate payment history.

Requested Resolution I am requesting the following actions : 1. Remove the two incorrect addresses from my XXXX  credit file. 
2. Conduct a full reinvestigation of the XXXX XXXX  and XXXX XXXX accounts and correct the payment history to accurately reflect my on-time payments.

3. Delete all unauthorized inquiries that can not be verified with written proof of my authorization.

4. Provide me with a written confirmation of the results of your investigation and a copy of my corrected credit report.

Legal Basis These errors are clear violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically : Section 607 ( b ) : Duty to assure maximum possible accuracy.

Section 611 ( a ) : Duty to investigate disputes.

Section 604 ( a ) : Permissible purpose for furnishing credit reports. 
XXXX failure to maintain accurate records, remove unverifiable data, and prevent unauthorized inquiries has resulted in significant emotional distress, financial harm, and credit damage.

Relief Requested I respectfully request that the CFPB conduct an investigation into XXXX handling of my credit data, enforce compliance with federal reporting standards, and ensure that my file is corrected immediately.

Attachments Included : Copy of government-issued ID Proof of current address Copy of XXXX  credit report highlighting the disputed items

Company response to consumer: Closed with non-monetary relief