Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ADDRESS XXXX XXXXXXXX XXXX  XXXX, FL XXXX Law : FCRA 602, 607 ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information.

Issue : This address is not my residence, never has been, and is being inaccurately reported in my file.

Story : I have never lived at this address and have no known relationship to it. Its presence creates confusion and connects my file to potential accounts or activities that are not mine. I request immediate deletion. 

ADDRESS XXXX XXXX XXXX  XXXX, GA XXXX Law : FCRA 602, 607 ( b ) Issue : This is an inaccurate mailing address that does not belong to me. 
Story : I have never maintained a XXXX XXXX XXXX XXXX, GA, and its appearance could link me to unrelated financial records. Please delete it from my report. 

ADDRESS XXXX XXXX XXXX XXXX, GA XXXX Law : FCRA 602, 607 ( b ) Issue : Wrong residential address appearing on my credit report.

Story : I have never resided at this address. Reporting it violates the accuracy standards of the FCRA and must be removed. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX Law : FCRA 602, 607 ( b ) Issue : Incorrectly listed residence.

Story : This address has never been my legal residence and does not relate to any of my accounts. Immediate deletion requested. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX Law : FCRA 602, 607 ( b ) Issue : Wrong and unverifiable address.

Story : This address was never associated with me, and its reporting is inaccurate and misleading. Please remove. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Law : FCRA 602, 607 ( b ) Issue : Not my address, never resided here.

Story : Including this address in my report is a clear violation of the FCRAs maximum possible accuracy requirement. Request deletion. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX Law : FCRA 602, 607 ( b ) Issue : Erroneous residential listing.

Story : I have no connection to this location and its reporting is harming my reports accuracy. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ( duplicate entry ) Law : FCRA 602, 607 ( b ) Issue : Duplicate and inaccurate address.

Story : I never lived here ; request removal of both duplicate entries. 

ADDRESS XXXX XXXX XXXX XXXX, GA XXXX Law : FCRA 602, 607 ( b ) Issue : This address is not associated with me.

Story : I have no connection to this address, and it is being wrongly reported. 

ACCOUNT XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Law : FCRA 602, 607 ( b ), 611 Information must be complete, accurate, and verifiable.

Issue : The account is showing late payments that are not accurate.

Story : I have maintained timely payments on my accounts, and no valid evidence exists to support this alleged late payment. I request a full reinvestigation and deletion of this negative mark. 

ACCOUNT XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} Collection Law : FCRA 602, 607 ( b ), 611 ; FDCPA 809 ( b ) Debt collectors must validate debts upon request.

Issue : This account is being reported as a collection, but I have no knowledge of it and it is not verifiable.

Story : I was never notified of any debt related to this account, and I dispute its accuracy. Without full validation from the furnisher, this account must be deleted.

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

Company response to consumer: Closed with non-monetary relief