Consumer complaint received 2025-08-07 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:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Law : FCRA Section 602 ( a ), 609 ( c ) ( 1 ) ( A ), 611 ( a ) Issue : This address does not belong to me.

Story : This is not my current or past residence. Including it violates the accuracy standard set forth by the FCRA. Please delete it promptly. 

ADDRESS XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA Section 602 ( a ), 609 ( c ) ( 1 ) ( A ), 611 ( a ) Issue : This address is not connected to me.

Story : I do not reside, nor have I ever resided, at this address. It should not be present in my credit profile and must be removed immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$220.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Late payment is inaccurately reported.

Story : This account is reporting a late payment that is incorrect. I have made payments on time and have records to support that. This information must be investigated and corrected. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Late payment inaccurately reported.

Story : I have never missed a payment on this account. Please verify all records and remove this derogatory information. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Incorrect late payment showing.

Story : I always paid this account on time. This is a reporting error that I am requesting to be corrected or removed. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$290.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Late payment listed inaccurately.

Story : This account does not accurately reflect my payment history. Please re-investigate and update accordingly. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Incorrect late payment status.

Story : This account was always in good standing. I demand a review of the records and removal of this error. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 607 ( b ), 611 ( a ) Issue : Charge-off is invalid and misreported.

Story : I had resolved this account and was not notified of any charge-off status. I request deletion of this derogatory mark. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Charge-off status is inaccurate. 
Story : I have fully paid or settled this account and there should be no charge-off. Please investigate and remove. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Late payment is not valid.

Story : I paid this auto loan responsibly. The late mark is wrong and should be removed. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Late payment does not match my records.

Story : This account was managed well. This is a reporting error. Please remove the late payment. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Late payment listed is incorrect.

Story : No late payments occurred. The reporting is faulty and needs correction. 

INQUIRY XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ), 607 ( a ) Issue : Inquiry conducted without permissible purpose.

Story : I never gave consent. This is a violation. Remove immediately. 

INQUIRY XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ), 607 ( a ) Issue : Inaccurate and unauthorized inquiry.

Story : I am disputing this inquiry as I did not approve it. 

INQUIRY XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ), 607 ( a ) Issue : Inquiry made without my knowledge. 
Story : I did not authorize this hard inquiry. Please delete it from my report. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

Company response to consumer: Closed with non-monetary relief