Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
I am writing to formally dispute numerous inaccuracies on my Equifax credit report. These errors severely harm my creditworthiness and violate my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request immediate investigation and correction or removal of the erroneous information described below. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Issue : Wrong Address Reported Law : Under FCRA Section 611 ( 15 U.S.C. 1681i ), Equifax must conduct a reasonable investigation to ensure information reported is accurate and complete. Reporting an incorrect address is misleading and can negatively affect my credit profile and identity verification processes. 
Story : This address has never been mine, yet Equifax continues to report it on my file, suggesting negligence or failure to properly verify my personal identifying information. This incorrect data raises concerns of identity confusion and undermines the integrity of my credit report. Immediate removal is warranted. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Issue : Wrong Address Reported Law : FCRA XXXX XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) mandates that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy of information. XXXX an address I have never used is a clear violation of this requirement. 
Story : Equifax 's repeated reporting of this inaccurate address on my credit file is unacceptable and reflects a failure to adhere to accuracy standards. Such errors can lead to improper credit decisions against me. 
GEORGIA STUDENT FINANC, Account No : XXXX Issue : Late Payment Law : Under FCRA XXXX XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ), I am entitled to access and verify the accuracy of my account data. Late payments reported inaccurately or without proper verification violate my rights. The FCRA also requires that disputed information be verified and removed if inaccurate ( XXXX XXXX. XXXX ). 
Story : I dispute the reported late payments on this student loan account. If the late payments are accurate, I request documentation of notice and opportunity to cure as required by the FCRA and applicable state laws. Otherwise, these derogatory marks should be deleted. 
XXXX, Account No : XXXX Issue : Late Payment Law : FCRA XXXX XXXX mandates investigation of disputed information and removal if unverifiable. The burden lies on Equifax and furnishers to ensure reported delinquencies are accurate. 
XXXX : The late payments reflected are either erroneous or unverified. XXXX failure to properly investigate upon my dispute violates my consumer rights. I demand removal of these inaccurate late payment records. 
SELF FINANCIAL/LEAD BA, Account No : XXXX Issue : Late Payment Law : Under FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), furnishers must report accurate data, and Equifax must XXXX compliance. Reporting incorrect late payments violates these provisions. 
Story : These late payments are not mine or are reported inaccurately. XXXX failure to rectify these errors after my dispute constitutes negligence and harms my credit score unjustly. 
SELF FINANCIAL/LEAD BA, Account No : XXXX Issue : Late Payment Law : FCRA Sections XXXX and XXXX require maximum possible accuracy. Any late payments not properly verified must be removed to prevent damage. 
XXXX : This account contains late payment entries that are inaccurate or unverifiable. XXXX continued reporting without proper investigation is unlawful and detrimental. 
XXXX DEBT, Account No : XXXX Issue : Collection Law : FCRA Sections XXXX and XXXX require that collection accounts reported be verified. Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, also regulates collection practices to protect consumers from false or misleading information. 
XXXX : This collection account is reported without proper validation. If Equifax can not verify the debt or validate my liability, this collection must be deleted immediately to prevent unfair harm. 
XXXX XXXX XXXX, Account No : XXXX Issue : Collection Law : As per FCRA XXXX XXXX, Equifax must remove unverifiable accounts following a dispute. FDCPA also mandates truthful reporting and prohibits misleading information. 
XXXX : The collection entry by XXXX XXXX is inaccurate and unverifiable. I demand its removal unless Equifax can provide complete, valid proof. 
XXXX, Account No : XXXX Issue : Charge Off Law : Charge-offs must be accurately reported under FCRA and XXXX must ensure accuracy under Section XXXX. Any inaccurate or unverifiable charge-offs must be removed. 
XXXX : This charge-off account is reported inaccurately or without proper validation. I request verification and removal if not substantiated. 
XXXX, Account No : XXXX Issue : Collection Law : FCRA XXXX XXXX requires prompt investigation of disputes and removal of inaccurate collection accounts. FDCPA protects consumers from wrongful collection reporting. 
XXXX : This collection is being reported inaccurately. Equifax must cease reporting it unless valid documentation is provided. 
XXXX XXXX, Account No : XXXX Issue : Late Payment Law : Accurate reporting of payments is required by FCRA XXXX XXXX. Incorrect late payments violate consumer rights and must be corrected promptly. 
XXXX : The late payment reported on this account is inaccurate or unverifiable. I request its removal in accordance with my rights. 
SELF FINANCIAL/LEAD BA, Account No : XXXX Issue : Late Payment Law : FCRA Sections XXXX and XXXX require accuracy and investigation. Incorrect late payments must be removed. 
Story : These late payment notations are disputed due to lack of proper verification. Equifax must delete or correct them. 
XXXX, Account No : XXXX Issue : Late Payment Law : Reporting inaccurate late payments violates XXXX mandate for maximum accuracy. 
XXXX : The late payments are not accurate and XXXX failure to correct this after dispute violates my consumer rights. 
XXXX XXXX, Account No : XXXX Issue : Late Payment Law : FCRA Sections XXXX and XXXX require maximum accuracy and verification of disputed information. 
Story : These late payments are inaccurately reported. Equifax must remove or correct them to comply with the law. 
XXXX XXXX XXXX, Account No : XXXX Issue : Collection Law : FCRA XXXX XXXX requires removal of unverifiable collections following disputes. FDCPA protects against wrongful collection reporting. 
XXXX : This collection is reported without proper validation and must be removed immediately. 
Summary : Equifax is reporting multiple inaccuracies including wrong addresses, late payments, collections, and charge-offs. These inaccuracies violate my rights under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) and the Fair Debt Collection Practices Act where applicable. Equifax is obligated to ensure maximum possible accuracy ( XXXX XXXX. XXXX ( b ) ) and to conduct reasonable reinvestigations upon dispute ( XXXX XXXX. XXXX ). Failure to comply subjects Equifax to legal liability and harms consumers unfairly. I demand immediate correction or deletion of all inaccurate information listed above and confirmation once completed. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief