Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
I am filing this formal complaint to report multiple and serious inaccuracies in my credit report, as provided by the national credit reporting agencies. These errors include several wrong addresses, misreported charge-offs, inaccurate collection statuses, and incorrect late payment histories. Despite my attempts to dispute these with the credit bureaus, the issues remain unresolved.

1. Incorrect Addresses Listed on My Credit Report : The following addresses are inaccurately associated with my file and must be removed : XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ( Listed as of XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( Listed as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX These addresses are not mine and I have never lived, worked, or had any credit activity associated with them. Reporting such inaccurate addresses creates a false identity profile in violation of : FCRA 607 ( b ) : Credit bureaus must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. '' 2. Disputed Credit Accounts with Specific Issues : Creditor Account # ( Partial ) Issue Details XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge-Off High Credit : {$640.00}, Opened : XX/XX/XXXX I dispute the validity of this charge-off. I was never properly notified of any delinquency. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Charge-Off High Credit : {$3000.00}, Opened : XX/XX/XXXX This debt is incorrect and appears to be a duplicate or fabricated entry. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge-Off High Credit : {$670.00}, Opened : XX/XX/XXXX Potential duplicate entry with no verification provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments High Credit : {$510.00}, Opened : XX/XX/XXXX This account was never late. No proof has been supplied by the furnisher. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payments High Credit : {$2000.00}, Opened : XX/XX/XXXX No proper notification or validation. 
XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments High Credit : {$3500.00}, Opened : XX/XX/XXXX This appears to be a duplicate record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection High Credit : {$180.00}, Opened : XX/XX/XXXX I have no record of this debt and dispute its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments High Credit : {$1700.00}, Opened : XX/XX/XXXX Inaccurate reporting, not supported by any statement or billing. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payments High Credit : {$1000.00}, Opened : XX/XX/XXXX Duplicate reporting of the same debt. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The credit reporting agencies and furnishers of the information are in violation of the following provisions of the FCRA : FCRA 602 ( A ) : I have the right to fair and accurate credit reporting.

FCRA 607 ( b ) : Credit bureaus must ensure maximum possible accuracy.

FCRA 611 ( a ) : If a consumer disputes information, it must be investigated and corrected or deleted if found inaccurate.

FCRA 623 ( b ) : Furnishers must conduct investigations and report accurate information to credit bureaus.

Narrative/ Consumer Statement : I have been significantly harmed by these inaccuracies. The inclusion of wrong addresses has resulted in suspicion of fraud and mismatched identities. The charge-offs, late payments, and collections being misreported or duplicated have negatively impacted my credit score and hindered my ability to obtain housing and credit.

Despite filing disputes with the credit bureaus, they have failed to perform reasonable investigations or correct these clear inaccuracies. I am now requesting the CFPB to intervene to ensure these items are investigated properly and removed or corrected based on the law.

Attachments ( if submitting ) : Government-issued ID Proof of current address Prior dispute letters ( if available )

Company response to consumer: Closed with non-monetary relief