Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which ensures my right to fair and accurate credit reporting. My credit file contains multiple false addresses, late payments, and an unauthorized hard inquiry. These items are inaccurate, unverifiable, and are causing serious financial and reputational harm. The furnishers and credit reporting agencies are in violation of FCRA 602 ( A ), 607 ( b ), 609 ( a ), and 611 ( a ) for failing to ensure maximum possible accuracy and failing to reinvestigate disputes properly.

Wrong Addresses Reported ( Violation of FCRA 609 ( a ), 611 ( a ), and negligence under 623 ) XXXX XXXX  XXXX XXXX XXXX, XXXX, FL, XXXX Wrong Address This Florida address is completely unrelated to me. I have no personal, family, or business connection there. The reporting of this address implies that my identity may have been mixed with another consumer or victimized by identity theft. Such gross negligence by the credit bureaus violates FCRA 607 ( b ). When wrong addresses appear on a credit file, it makes lenders assume fraudulent activity. I was once questioned by a creditor why I had multiple addresses in different states, and this led to a delay and near denial of my application. 
XXXX XXXX XXXX XXXX XXXX, GA, XXXX Wrong Address This is also not my address. I have never resided or received mail there. This misinformation creates unnecessary confusion when verifying my identity with creditors, landlords, or employers. The false impression is that I move constantly, which damages my stability profile. Because of this, I have faced higher scrutiny in employment verification and housing background checks, which is unjust and caused by inaccurate reporting. 
Late Payment Accounts XXXX XXXX ( Acct : XXXX, Open Date : XX/XX/year>, High Balance : {$5000.00} ) Late Payment This account is reflecting late payments that are not accurate. I requested documentation, but XXXX XXXX failed to provide any. Reporting negative information without evidence is a violation of FCRA 611 ( a ), which requires reinvestigation and validation. Because of this false late payment, I was denied a credit card and forced to pay higher loan costs. These consequences show how harmful negligent reporting is to consumers. 
Summary & Relief Requested The above items are false, unverifiable, and harmful. They represent clear violations of the Fair Credit Reporting Act ( FCRA ) by both furnishers and the credit bureaus. As a result, I have suffered : Denials of credit applications Higher interest rates on approved loans Lost refinancing opportunities Embarrassment and reputational damage during financial applications Emotional distress from repeated disputes being ignored I request the following remedies : XXXX. Immediate deletion of all wrong addresses. 
XXXX. Removal or correction of inaccurate late payment histories from XXXX XXXX, XXXX, and XXXX XXXX. 
XXXX. Removal of the unauthorized XXXX XXXX hard inquiry. 
XXXX. Written confirmation of reinvestigation results as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX. Assurance of compliance to prevent future violations. 
If these errors are not corrected, I am prepared to escalate this matter through litigation under FCRA 616 and 617, which provide for actual damages, statutory damages, punitive damages, and attorneys fees for negligent or willful noncompliance.

Company response to consumer: Closed with non-monetary relief