Consumer complaint received 2025-09-25 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: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccuracies appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information I believe to be incorrect, incomplete, or unverifiable. I demand that all inaccurate information be investigated, corrected, and permanently removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Wrong Address. I have never lived at this address. Its reporting has caused repeated confusion when financial institutions attempt to verify my identity. I have experienced delays in loan approvals and increased scrutiny when applying for essential services. Continued reporting of this false information constitutes a violation of FCRA 1681i ( a ) ( 1 ), which requires consumer reporting agencies to maintain accurate and complete information. 
XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Wrong Address. This address is completely unrelated to me. Its inclusion has caused lenders to question my residency history, delayed processing of applications, and negatively impacted my overall creditworthiness. Reporting false addresses violates my rights under FCRA XXXX, and I demand immediate correction. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Late Payment. I have always maintained timely payments on this account. The inaccurate reporting of late payments has resulted in higher interest rates, loan denials, and personal financial hardship. FCRA XXXX ( a ) requires investigation of disputed information, and I demand deletion of this erroneous report. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1600.00} Charge Off. This account has been falsely reported as a charge off. I have never defaulted on this account. The false reporting has significantly harmed my credit profile and violated my rights under FCRA XXXX. I request immediate investigation and removal of this charge off. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. I have never defaulted on this account, yet it is falsely reported as a charge off. This incorrect reporting has caused financial harm, delayed approvals for loans and services, and negatively impacted my credit reputation. Under FCRA XXXX ( a ), unverifiable or inaccurate information must be removed. I demand immediate deletion of this false charge off. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment. I have never made a late payment on this account. The false reporting has led to a drop in my credit score, increased scrutiny from lenders, and unnecessary stress. FCRA 1681s-2 ( b ) requires accurate reporting by furnishers, and this violation must be corrected immediately. 
XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$0.00} Late Payment. This account has been inaccurately reported with late payments that never occurred. The false information has caused financial inconvenience, potential loan denial, and emotional distress. Immediate correction and removal are required under FCRA 1681i ( a ). 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. The reported charge off is incorrect. It has caused my credit score to drop, increased interest rates, and delayed approvals. FCRA 1681i ( a ) mandates deletion of unverifiable information. I demand immediate correction.

These inaccurate reports, late payments, charge offs, and unauthorized inquiries have caused substantial financial harm, including denial of credit, higher interest rates, delays in financial approvals, unnecessary investigations, and severe emotional distress. Under FCRA, I am entitled to accurate reporting and am exercising my right to demand immediate correction and deletion of all disputed items. I expect verification of all accounts and inquiries, and any unverifiable or inaccurate information must be permanently deleted from my credit report within the timeframe mandated by law.

Company response to consumer: Closed with non-monetary relief