Consumer complaint received 2025-10-30 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 writing to formally dispute multiple inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) by several creditors and reporting agencies. The inaccurate reporting has caused, and continues to cause, significant damage to my creditworthiness. Despite my efforts, these errors remain unresolved. Below are the details of each disputed account and the issues involved : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX DC XXXX These addresses are being reported on my credit profile without my knowledge. Under FCRA 1681i, I have the right to dispute any inaccurate information, and credit reporting agencies must investigate and correct these errors. These addresses are not associated with me, yet they are being used to link accounts inaccurately. 

XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$0.00} * * This account has been reported with late payments, which is false. I have never missed a payment. FCRA 1681e ( b ) requires accurate reporting of all consumer credit information. The false late payment reporting is damaging my credit score and causing undue stress. 

XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, XXXX {$3400.00} * * Again, this account has been inaccurately reported as having late payments. I dispute this information and demand immediate correction or deletion. 

XXXX XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX, XXXX {$22000.00} * * Incorrect late payment reporting continues on this account. I have never made any late payment. Repeated inaccurate reporting violates FCRA 1681i and 1681s-2 ( b ). 

XXXX accounts ( multiple, listed below ) All these accounts show late payments that are incorrect : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments are false. I demand that the reporting agencies immediately verify these records or remove them entirely from my credit report under FCRA 1681i ( a ) ( 5 ), as continued misreporting is materially harming my credit standing. 

XXXX XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX {$0.00} * * Reported as late payment inaccurately. This is in violation of my right to accurate reporting. 

XXXX XXXXXXXX XXXX Opened XX/XX/XXXX, XXXX {$19000.00} * * & Opened XX/XX/XXXX, XXXX {$15000.00} Both accounts are being reported with false late payments. XXXX investigation and correction are required. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, XXXX {$0.00} * * Reported inaccurately as late. 

Recent Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were either unauthorized or inaccurately reported. Under FCRA 1681b, I must consent to all credit inquiries. I request verification and removal of any unauthorized inquiries.

The cumulative impact of these inaccuracies is severe, affecting my ability to obtain credit, loans, and other financial products. I request that the CFPB investigate these matters and require the credit reporting agencies and lenders to correct or remove the false information immediately.

Please confirm receipt of this complaint and keep me informed regarding your actions and any updates. I expect these inaccuracies to be fully addressed under federal law.

Company response to consumer: Closed with explanation