Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and protect consumers from unfair and inaccurate credit reporting practices. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law/Issue : This address is reported in violation of the Fair Credit Reporting Act ( FCRA ) 602A and 607 ( b ), as it is inaccurate and does not relate to me or my credit history. 
Story : I have never resided at or been associated with this address. Its continued reporting creates false associations, misleads potential creditors, and impacts my personal and financial credibility. 
Instruction : Please conduct a reinvestigation under FCRA 611, delete this address from my file, and provide an updated credit report reflecting its removal. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Law/Issue : This address violates FCRA 602A and 607 ( b ) as it is not accurate or verifiable. 
Story : I have no connection to this property and have never provided it as a residence. Its reporting XXXX cause confusion in identity verification and lead to incorrect credit evaluations.

Instruction : Reinvestigate under FCRA 611 and remove this address from my credit file immediately. Provide written confirmation once it is deleted. 

ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Late Payment * * Law/Issue : This account is reporting inaccurate late payment history, violating FCRA 607 ( b ) and 611, as well as the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ) regarding false credit reporting.

Story : The payment history does not match my records, and no validation of the alleged late payments has been provided. This misreporting is damaging my credit standing and causing unjustified harm. 
Instruction : Reinvestigate, provide documented proof of each reported late payment, or delete the negative payment history from my credit file immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment * * Law/Issue : This account is reported with inaccurate late payment notations in violation of FCRA 607 ( b ) and 611.

Story : I dispute the validity of these late payment claims as they have not been substantiated with original creditor documentation. 
Instruction : Conduct a proper reinvestigation, verify with the original creditor, and if unverifiable, remove the negative late payment marks from my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Late Payment * * Law/Issue : The late payment entries violate FCRA 607 ( b ) due to failure to ensure maximum possible accuracy, and FDCPA 807 ( 8 ) regarding false credit representation.

Story : No records have been provided that confirm these alleged late payments. This is a recurring issue from my first dispute, and the bureau failed to provide sufficient evidence to justify continued reporting. 
Instruction : Immediately delete or correct this accounts payment history after a proper FCRA-compliant reinvestigation. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} Late Payment * * Law/Issue : Inaccurate late payment reporting in violation of FCRA 607 ( b ) and 611.

Story : The late payments listed are false, unverified, and contradict my records. This continued misreporting is causing substantial harm to my creditworthiness. 
Instruction : Remove the late payment entries from my file unless full validation is provided from the original creditor. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Law/Issue : This inquiry was made without my consent or permissible purpose, in violation of FCRA 604 ( a ).

Story : I did not authorize or initiate any credit transaction with this entity, and its presence on my file is unauthorized. 
Instruction : Delete this inquiry from my file immediately and confirm removal in writing. 

I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

Company response to consumer: Closed with non-monetary relief