Consumer complaint received 2025-10-29 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:
To Whom It May Concern, I am submitting this formal complaint against multiple creditors and credit reporting agencies for inaccurate, misleading, and unverified information being reported on my credit report. The information listed below contains false addresses, incorrect late payments, fraudulent charge-offs, and unverifiable collection accounts that have caused severe harm to my creditworthiness and financial reputation.

Despite my previous attempts to correct these inaccuracies, the reporting agencies have failed to provide verifiable proof or proper investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168XXXX et seq. I am requesting CFPBs immediate intervention to ensure a lawful and complete investigation into these violations. 
INCORRECT PERSONAL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These addresses are completely inaccurate and have no connection to me whatsoever. I have never lived, worked, or received mail at these locations. Reporting these false addresses creates confusion, possible identity concerns, and contributes to the appearance of fraudulent activity. I am requesting that these addresses be permanently deleted from my credit report. 
ACCOUNT DISPUTES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} | Reported Issue : Late Payment * * This reporting is inaccurate and misleading. I have always made payments on time and have no record of any missed or delayed payments with this creditor. The late payment notation is false and does not reflect my payment history. I am demanding immediate correction to show Paid as Agreed / Never Late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$2000.00} | Reported Issue : Charge-Off * * This account is not mine. I have never defaulted or had any charge-off with XXXX XXXX XXXX XXXX XXXX This false reporting is harming my credit standing and is inconsistent with my verified account history. Please investigate this item and delete it unless full and legitimate documentation can be provided. 
The repeated reporting of false addresses, unverified accounts, and duplicate records constitutes willful negligence and noncompliance with federal law. These errors have caused substantial emotional distress and financial harm by lowering my credit score and affecting my ability to obtain fair credit. 
I am respectfully requesting that the CFPB : XXXX. Investigate each account and address listed above. 
XXXX. Require the data furnishers and credit bureaus to provide full, verifiable documentation. 
XXXX. Ensure deletion or correction of any unverifiable or inaccurate information. 
XXXX. Impose corrective actions on the furnishers and agencies if they fail to comply with the FCRA. 
I have attached a copy of my identification and proof of address for verification. Please confirm receipt of this complaint and notify me of all actions taken regarding this matter. 
Thank you for your time, attention, and enforcement of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief