Consumer complaint received 2025-08-14 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: VA

Complaint narrative:
I am submitting this formal complaint regarding numerous inaccuracies on my credit report that are severely affecting my financial standing, creditworthiness, and ability to obtain fair credit. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681i, 1681s-2 ( b ), and other applicable federal laws. I demand immediate investigation and correction of all inaccurate information. Below I have provided details of each disputed item, the applicable law, and an explanation of the factual circumstances.

Address Dispute XXXX XXXX XXXX, XXXX XXXX, VA, XXXX Issue : This address is incorrectly listed on my credit file. I have never resided at, conducted business from, or been associated with this location in any way. 
Law : Under the FCRA ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Reporting an address that is not linked to me is a violation of this obligation.

Story : The listing of XXXX XXXX XXXX, XXXX XXXX, VA, XXXX on my credit report is both misleading and damaging. I have thoroughly reviewed my records, including lease agreements, utility bills, and past correspondence, and I can confirm that I have never lived in Virginia at this address, never used it for mailing purposes, and have no family or business connections to that location. I believe this erroneous entry could have been the result of a file merge error, misattribution of another consumers account, or identity theft activity. This false address could cause potential lenders to question my stability or verify my identity against incorrect information, thereby hindering my ability to secure credit or financial opportunities. I request that this address be deleted entirely from my report to ensure it accurately reflects my true residency history. 

Account Dispute XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/year>XXXX  Balance : {$250000.00} Status : Late Payment Issue : This account is inaccurately reporting late payments, which I dispute as false and unverified. 
Law : Under FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputed information and delete or correct any data that can not be verified. Additionally, creditors must report accurate payment histories in compliance with the Fair Credit Billing Act and the Equal Credit Opportunity Act.

Story : The listing for XXXX XXXX XXXX shows late payments that are completely inconsistent with my payment records. I have consistently made timely payments on all legitimate accounts, and my bank statements, payment confirmations, and transaction histories show no evidence of delinquency for this loan. In fact, the reporting of these late payments has caused severe damage to my credit score and has resulted in adverse actions from potential lenders, including higher interest rate offers and outright denials of credit applications. I suspect that this misinformation may have been caused by a clerical posting error, misapplied payments, or a cross-file reporting issue with another borrower. Furthermore, I have never received proper late payment notices or validation from XXXX XXXX XXXX regarding any alleged delinquencies, which raises further concerns about the legitimacy of this reporting. This inaccurate listing not only tarnishes my payment history but also misrepresents my creditworthiness to potential lenders. I demand that this late payment history be deleted or corrected to accurately reflect my true payment record. 
I request that all inaccuracies, including false addresses, late payments, charge-offs, collections, and unauthorized inquiries, be immediately investigated, corrected, or removed as mandated by federal law. I further request written confirmation once corrections are made, along with an updated copy of my corrected credit report.

Company response to consumer: Closed with non-monetary relief