Consumer complaint received 2025-07-18 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This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Law Issue : Pursuant to FCRA Section 602 A, consumer reporting agencies must maintain maximum possible accuracy. Reporting a variation of this address with an incorrect XXXX is materially misleading and inaccurate. 
Story : I have never resided at this version of the address. It appears to be an incorrect duplicate with a ZIP code extension that causes confusion. I request immediate deletion of this erroneous listing from my credit file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late Payment * * Law Issue : Per FCRA Section 611 ( a ), consumers have the right to dispute inaccurate or outdated information, and furnishers must conduct a reasonable investigation. 
Story : I dispute the reported late payment as inaccurate. I was enrolled in a payment plan due to a temporary hardship and was advised by a XXXX XXXX representative that this would not negatively affect my credit. This late mark is misleading and damaging. I request removal after reinvestigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7900.00} Late Payment * * Law Issue : Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher of information must not report inaccurate data.

Story : The late payment reported here is incorrect. I had made timely payments through an auto-payment setup and have documentation to prove this. The error likely stems from XXXX  internal system. Please remove the derogatory mark and update the account status accordingly. 
I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

Company response to consumer: Closed with non-monetary relief