Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and misleading entries on my credit report that are causing significant harm to my creditworthiness and financial stability. Despite my repeated efforts to correct these inaccuracies directly with the creditors and credit bureaus, the issues remain unresolved. Therefore, I am filing this complaint to seek immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
1. Wrong Address Reporting XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, LA XXXX These addresses are incorrectly reported on my credit profile and do not correspond to any residence or property I have ever lived in or been associated with. Under FCRA Section 609 ( 15 U.S.C. 1681g ), I have the right to accurate information in my credit file. The presence of these incorrect addresses is misleading potential creditors and lenders, damaging my credit reputation unfairly. 
2. Account : XXXX XXXX Account Number Ending in XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2600.00} Issue : Multiple late payments reported inaccurately. 
The late payments reported on this account are either erroneous or exaggerated. Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), the furnisher of this information has a duty to investigate and correct inaccurate information upon notification. Failure to do so constitutes a violation of my rights. Moreover, inaccurate late payments directly affect my credit score and borrowing capacity. 
3. Account : XXXX XXXX XXXX Account Number Ending in XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$8000.00} Issue : Incorrect late payment reporting. 
This account shows late payments that I dispute. According to FDCPA Section 807 ( 15 U.S.C. 1692e ), it is unlawful to report inaccurate information or use deceptive practices to collect debts. I request a thorough investigation and immediate correction or deletion of this information. 
Summary of Violations : Reporting inaccurate information in violation of FCRA Sections 609, 611, and 623. 
Failure to properly investigate and correct inaccurate information upon dispute. 
Misrepresentation of account status and late payments violating FDCPA Section 807. 
Reporting wrong addresses, leading to incorrect credit profile associations. 
Requested Resolution : Immediate removal or correction of the inaccurate addresses listed above from my credit report. 
Thorough reinvestigation of all disputed late payments on the accounts mentioned. 
Removal or correction of any inaccurate late payment history or other derogatory information. 
A confirmation letter from each furnisher of information verifying that the corrections have been made. 
Compliance with all FCRA and FDCPA regulations in future reporting. 
Impact : These inaccuracies have caused me financial hardship, including denial of credit opportunities, higher interest rates, and emotional distress. I expect your prompt attention to protect my rights and ensure my credit report is accurate and fair. 
Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation