Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information appearing on my credit reports, including a wrong address and several incorrectly reported accounts. These inaccuracies are negatively impacting my credit and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Wrong Address Reporting The following address is being incorrectly reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no association or residency history with this address. Reporting this as my current or past address is inaccurate and misleading. This must be removed immediately from my credit file with all bureaus, as it creates confusion and potential fraud risk.

2. Inaccurate Account Information Below are the accounts that are inaccurately reported as late payments or collections : XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$880.00} | Reported Status : Late Payment This is inaccurate. I have never made any late payment on this account. If the furnisher can not provide verifiable documentation, this must be corrected to reflect an on-time payment history. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$410000.00} | Reported Status : Late Payment This is false and damaging. I have never missed a payment. The furnisher must validate this claim or immediately correct the reporting. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Status : Late Payment This account should not show any late payment and must be updated to reflect an accurate status. 

XXXX XXXX ( two accounts ) Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Status : Late Payment These student loan accounts were paid and closed long ago. Any late payment reporting is false and must be corrected. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$7100.00} | Reported Status : Late Payment I have never made a late payment. This false reporting must be corrected across all bureaus. 

XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$400.00} | Reported Status : Collection I have no knowledge of this collection account and have never received any validation notice from XXXX or any collector. This must be deleted unless fully validated under the FDCPA ( 15 U.S.C. 1692g ). 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$250.00} | Reported Status : Collection I have no knowledge of this account, and it has never been validated. It must be removed if the furnisher can not provide complete verification.

Legal Basis and Requested Action The inaccurate address and account information listed above violate FCRA Sections 602, 607, and 611, and possibly the FDCPA in cases of unvalidated collections. These errors constitute negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o. I respectfully request that the CFPB investigate these issues and ensure that :
The incorrect address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is deleted from my credit report.

All inaccurate and unverified accounts are either corrected or removed.

I am provided with written confirmation of all actions taken by the furnishers and credit reporting agencies.

Thank you for your prompt attention to this matter. I expect a full investigation and resolution as required under federal law.

Company response to consumer: Closed with non-monetary relief