Consumer complaint received 2025-06-11 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:
Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate, misleading, and unverifiable information being reported on my credit report by data furnishers and credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These violations have negatively impacted my credit standing and caused emotional distress, difficulty securing credit, and financial harm. 
1. Inaccurate Address Reporting There are addresses listed on my credit report which are completely inaccurate and do not belong to me. I have never resided at the following locations : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX These addresses may have been erroneously linked to my profile due to a data entry or identity confusion. As per FCRA 609 ( c ) and 605 ( b ), I have the right to accurate personal identifying information on my credit report. Maintaining wrong addresses significantly increases the risk of identity theft, misattribution of debts, and denial of financial services. 
I have attempted to dispute these addresses directly with the bureaus, but they continue to appear. 
2. Inaccurate Late Payment Reporting DEPT OF EDXXXX Creditor Name : Department of Education XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/year>XXXX  Issue : Inaccurate Late Payment Reporting This account is inaccurately reflecting late payments on my credit report. I have not received proper notice nor validation of these reported delinquencies. Furthermore, the payments reported as late were either made on time or were part of a forbearance/deferment period which should not be reported negatively under FCRA 623 ( a ) ( 1 ) ( A ). 
Additionally, this entry is in potential violation of : FCRA 611 Failure to maintain reasonable procedures to assure maximum possible accuracy.
FCRA 602 ( A ) Protection of consumer rights from the dissemination of false or inaccurate information.

FCRA 623 ( a ) ( 5 ) Obligation to correct and update information that is incomplete or inaccurate. 
Impact Due to the presence of these inaccuracies, I have suffered : Denial of credit and loan applications Higher interest rates on financial products Emotional distress and anxiety due to misinformation Time and resource loss attempting to resolve these issues Request for Resolution I respectfully request the CFPB to : 1. Initiate an investigation into the reporting practices related to the above accounts and addresses.
2. Require the credit reporting agencies to remove all inaccurate addresses. 
3. Require the data furnisher ( Dept of EdXXXX ) to provide proper documentation of alleged late payments or correct/remove the negative entries. 
4. Hold the responsible parties accountable for violations of the FCRA.

Please consider this a formal complaint and take appropriate action to ensure that my consumer rights are protected.

Company response to consumer: Closed with non-monetary relief