Consumer complaint received 2025-10-10 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate addresses and credit accounts on my credit file that are being reported in violation of federal law. These errors have caused severe harm to my creditworthiness, financial reputation, and access to fair lending. I am requesting immediate investigation, correction, and removal of all inaccurate, misleading, and unverifiable information in accordance with the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e. 

Address XXXX XXXX XXXX XXXX XXXX, CA XXXX This property is incorrectly attributed to me. I have no financial or personal connection to this address. FCRA 1681i ( a ) ( 1 ) requires proper verification from the creditor or source. Any unverified information must be deleted. Previous investigations have failed to produce valid proof linking me to this property. Its inclusion misrepresents my credit file, leading to potential harm with lenders and service providers. This is a clear violation of 1681e ( b ) and must be corrected. Supporting documentation of my true residences is enclosed. Immediate deletion is requested to restore the accuracy of my credit report. 

XXXX XXXX XXXX XXXX # XXXX GXXXX XXXX CA XXXX I have never lived, rented, or authorized accounts at this location. FCRA 1681i ( a ) ( 2 ) requires that CRAs verify disputed items. No verification has been provided to justify this listing. This address misrepresents my credit and personal history. Retention of this item is in violation of 1681e ( b ) requiring maximum possible accuracy. My previous disputes on this address have been ignored or inadequately addressed. I provide supporting documentation proving my true residences. The presence of this incorrect address on my credit file is harmful and misleading. I request its immediate removal. 

Account XXXX XXXX XXXX  Late payment reported inaccurately for {$2000.00}. I have documentation proving all payments were made on time, and the account was current. FCRA 1681s-2 ( b ) obligates furnishers to ensure accurate reporting. Any failure to correct inaccurate reporting is a violation of 1681e ( b ). Previous investigations did not confirm accuracy. Retention of this late payment misrepresents my payment history. Supporting statements and bank records confirm no delinquency occurred. Misreporting harms my credit score and violates my rights under 1681i ( a ). I request immediate correction to reflect accurate payment history. The CRA must contact the source directly for verification. Failure to delete or correct inaccurate information is unlawful. This misreporting falsely portrays me as delinquent. My creditworthiness is being damaged due to repeated negligent reporting. Immediate adjustment is required to comply with FCRA. I demand removal of this unverifiable late payment. This account can not legally remain inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment reported erroneously for {$2200.00}. I have never missed a payment on this account. FCRA 1681i ( a ) ( 2 ) ( B ) ensures CRAs must remove unverifiable or inaccurate accounts. Previous investigations failed to verify accuracy. I am submitting documentation proving timely payments. Retaining this inaccurate report violates 1681e ( b ). Misreporting this account negatively affects credit decisions, interest rates, and employment opportunities. Reporting false late payments constitutes negligent, misleading reporting. I request immediate correction or deletion. Verification from the original creditor can not produce evidence of delinquency. The account has been inaccurately portrayed. Reinvestigation is required per 1681i. This ongoing error is materially harmful and legally impermissible. I demand that the CRA update or delete this account immediately. Continued reporting is a violation of federal law. The accounts inaccurate history misrepresents my credit behavior. Immediate removal or correction is required to restore accuracy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Late payment reported incorrectly for {$1400.00}. I have made all payments as agreed and have proof of timely compliance. FCRA 1681i requires CRAs to reinvestigate disputed items. Previous disputes have not resulted in accurate reporting. Retention of this account misrepresents my payment behavior and violates 1681e ( b ). Supporting evidence is included. Misreporting impacts loan approvals and interest rates. The CRA must obtain verification directly from the creditor ; unverifiable accounts must be deleted. Reporting inaccurate information constitutes negligence under FCRA. I demand deletion or correction of this account. This false reporting harms my financial reputation and is materially misleading. All documentation proves accuracy, contradicting the reported late payments. Immediate reinvestigation is required. Failure to correct is unlawful. The account must be updated to reflect true payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment reported for {$570.00}. I have never defaulted or missed payments. FCRA 1681i ( a ) ( 1 ) ( A ) requires verification from the source, which has not been provided. Previous disputes have been ignored or inadequately addressed. Retaining this account misrepresents my creditworthiness. Supporting bank statements confirm on-time payments. Misreporting is negligent under 1681e ( b ). This inaccurate reporting can lead to denial of credit, higher interest rates, and financial harm. I request deletion or accurate correction. Verification from the creditor can not validate the reported late payments. Continued reporting is unlawful and harmful. This accounts reporting materially misrepresents my credit behavior. Federal law requires that unverifiable information be deleted. I demand immediate removal or correction to restore accuracy. Misreporting violates my rights and is materially misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment reported for {$4200.00} inaccurately. I have made all payments on time as evidenced by statements and bank records. FCRA 1681i ( a ) ( 1 ) ( A ) requires CRAs to obtain verification directly from the source. Previous disputes failed to confirm accuracy. Retaining this inaccurate late payment misrepresents my payment history, violating 1681e ( b ). Misreporting materially affects loan approvals, credit scoring, and financial reputation. Supporting documentation proves the account was current. Reporting unverifiable information is negligent and legally impermissible. I request immediate deletion or correction. Failure to remove inaccurate data constitutes a violation of federal law. This account should reflect accurate payment history immediately. Reinvestigation must verify the accuracy or delete the record. Continued reporting of false information is harmful. Immediate action is required to restore my accurate credit profile.

I request the CFPB to thoroughly investigate each inaccuracy and ensure all false addresses and accounts are corrected or removed from my credit report immediately. These violations of FCRA and FDCPA laws have caused tangible financial harm, stress, and misrepresentation of my creditworthiness. I expect CFPB enforcement to compel the credit bureaus and furnishers to comply fully with federal regulations and correct my credit history in a timely manner. My rights under federal law have been violated, and immediate action is required to restore the accuracy and integrity of my credit file.

Company response to consumer: Closed with explanation