Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by furnishers and the credit bureaus reporting inaccurate and unverifiable information on my consumer file. Despite my previous disputes and direct requests for verification, the bureaus and data furnishers have failed to ensure complete and accurate reporting as required under federal law. My current report reflects erroneous addresses and account data that I do not recognize or that have been inaccurately verified. The inclusion of these items has caused emotional distress, credit denials, and financial hardship, all stemming from failure to comply with 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1692e. I am demanding full investigation and immediate correction or deletion of all disputed information listed below. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This is not nor has ever been my address, and I have no connection to this location. Reporting this false address associates me with records that are not mine and damages my credit profile. Under FCRA 607 ( B ) and 611 ( A ), you are obligated to delete this unverifiable address immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} Opened XX/XX/XXXXXXXX XXXX XXXX No proof has been provided that this alleged account belongs to me, and no signed contract or validation has been shown. Reporting an unverified charge-off violates FCRA 623 ( A ) ( 1 ) ( A ) and 611 ( A ). This inaccurate data must be deleted immediately to comply with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} Opened XX/XX/XXXXXXXX XXXX XXXX This account is showing false late payments that have never been validated by any billing record or payment history. Continued reporting without proof violates 607 ( B ) and 623 ( B ) for failing to ensure accuracy. I demand full deletion of this unverified and damaging account information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} Opened XX/XX/XXXX XXXX XXXX The alleged late payment has not been supported by any contract, lease, or payment documentation. Reporting unverifiable late data is a violation of FCRA 611 ( A ) and FDCPA 807 ( 8 ). This unconfirmed account must be deleted from my credit file immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment {$3700.00} Opened XX/XX/XXXXXXXX XXXX XXXX The account reports inaccurate late payments without any proof or notice of delinquency. Failure to verify this data violates FCRA 623 ( A ) ( 1 ) ( A ) and 611 ( A ) ( 5 ) ( A ). You must remove this unverifiable information to comply with federal reporting standards. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment {$6400.00} Opened XX/XX/XXXXXXXX XXXX XXXX No valid proof, documentation, or payment history has been provided for this alleged account. Continued reporting without verification breaches 611 ( A ) and 607 ( B ). I request immediate deletion as you have failed to maintain maximum possible accuracy. 

I request immediate reinvestigation, deletion of the disputed address and account, and a written confirmation of the actions taken within 30 days as mandated under the FCRA. If compliance is not achieved, I will pursue further enforcement through additional CFPB escalation and potential legal remedies. The harm from this inaccuracy continues to affect my creditworthiness, and I expect full accountability under the law.

Company response to consumer: Closed with explanation