Consumer complaint received 2025-08-21 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:
To the Consumer Financial Protection Bureau, I am filing this complaint because my credit reports are filled with inaccurate, misleading, and unverifiable information that has caused me serious financial and emotional harm. I have disputed these items with the credit reporting agencies and the furnishers, but they remain on my file. Because of these errors, I have been denied credit, charged higher interest rates, and even faced problems with housing and employment opportunities. The following are the main issues : XXXX XXXX XXXX XXXX, CA XXXX Wrong Address. 
Issue : This is not my address. I never lived here, and it has been wrongly attached to my credit file. 
Law : FCRA 1681e ( b ) requires accuracy, and this violates that rule.

Story : The reporting of this address has created a false identity history for me. When I apply for credit or housing, lenders and landlords assume I have been associated with multiple residences and question my stability. This false information has even led to extended questioning in job background checks, making me feel humiliated as if I am hiding something. I should not have to defend myself against data that has no connection to my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address. 
Issue : I never lived at this address, yet it remains on my report. 
Law : FCRA 607 ( b ) requires maximum possible accuracy.

Story : This false address links me to locations and financial activities that I never had. Each time I apply for financing, I am treated as if I am someone moving around constantly or hiding my real location. This reporting makes it impossible for me to build stable credit and also damages my personal reputation, as lenders question whether I am connected to fraud. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$7100.00} Date Opened : XX/XX/XXXX Late Payment. Issue : The late payment reporting is inaccurate. 
Law : FCRA 1681i requires reinvestigation of disputes.

Story : Because of this wrong late payment entry, I have been denied personal loans and forced to accept higher interest rates on the credit I was able to obtain. This inaccurate report paints me as financially irresponsible when in fact I worked hard to maintain my accounts. Having my character attacked by a false report has caused anxiety and sleepless nights, as I feel powerless against the damage being done to my name. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$5300.00} Date Opened : XX/XX/XXXX Late Payment. Issue : Inaccurate and misleading reporting. 
Law : FCRA 623 ( a ) ( 1 ) prohibits furnishers from reporting false information.

Story : This report has destroyed my creditworthiness and caused lenders to treat me unfairly. I was rejected for a car loan when I needed transportation to get to work, all because of a report that is not even true. Every time I am denied, it feels like my hard work and honest efforts are erased by false late payment records that were never verified. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance {$2300.00} Date Opened : XX/XX/XXXX Late Payment. Issue : False late payment. 
Law : FCRA 1681c requires deletion of unverifiable entries. 
Story : These errors have left me looking like someone who defaults on obligations when in reality I struggled to make sure my student loans were handled. Instead of receiving understanding or correction, my reports show me as delinquent. This not only ruins my credit score but also my dignity. 
DPT ED/XXXX XXXX XXXX XXXX XXXX High Balance {$4700.00} Date Opened : XX/XX/XXXX Late Payment. Issue : Duplicate reporting. 
Law : FCRA 605B protects against fraudulent and inaccurate reporting.

Story : This duplication exaggerates the negative history and multiplies the harm. Lenders see several late payments when in fact they are just repeated errors. This destroys my financial reputation, creating unfair barriers for me to rebuild my life and access opportunities. 
DPT EDXXXX XXXX XXXX XXXX XXXX High Balance {$5500.00} Date Opened : XX/XX/XXXX Late Payment. Issue : Inaccurate entry. 
Law : FCRA 611 requires deletion if not verified.

Story : This account has made my credit report look like I am someone who can not handle responsibility. This has closed doors for me in both financial and professional opportunities. My hard work is overshadowed by a false record that lenders trust more than my word. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX High Balance {$2000.00} Date Opened : XX/XX/XXXX Late Payment. Issue : False reporting. 
Law : FACTA requires accurate credit reporting.

Story : This record has prevented me from renting housing in good neighborhoods, as landlords use credit reports to judge reliability. The shame of being denied housing because of something false has been overwhelming. 
DPT EDXXXX XXXX XXXX XXXX XXXX High Balance {$10000.00} Date Opened : XX/XX/XXXX Late Payment. 
Issue : Inaccurate late payment. 
Law : FCRA 602A emphasizes accuracy and privacy.

Story : This error has created ongoing stress and humiliation. My family has suffered as I can not qualify for better credit terms to provide for them. I feel trapped in a cycle of financial hardship because of this false report. 
DPT ED/XXXX XXXX XXXX XXXX XXXX  High Balance {$23000.00} Date Opened : XX/XX/XXXX Late Payment. 
Issue : Improper duplicate reporting. 
Law : FCRA 623 requires accuracy from furnishers.

Story : This duplication inflates my negative history, making it look like I have multiple late payments when it is not true. It has ruined my ability to recover financially, and it continues to block my progress in building stability. 
DPT EDXXXXXXXX XXXX XXXX XXXX XXXX High Balance {$10000.00} Date Opened : XX/XX/XXXX Late Payment. 
Issue : False reporting. 
Law : FCRA 611 guarantees my right to dispute.

Story : This error is devastating as it lowers my score further, adding more obstacles. I have been denied professional licenses because of bad credit reports like this, which unfairly limit my career. 
DPT EDXXXX XXXXXXXX XXXX XXXX High Balance {$16000.00} Date Opened : XX/XX/XXXX Late Payment. Issue : False delinquency. 
Law : FCRA 607 ( b ) requires maximum possible accuracy.

Story : The false delinquency makes it look as if I am careless with obligations. This is not just about numbers ; it is about my name and reputation. Because of these mistakes, I live with constant stress and can not move forward. 
All of these errors combined create a false picture of me as someone who is irresponsible, dishonest, and financially unstable. That is not who I am. I work hard to maintain my responsibilities, yet my reports tell a false story that is blocking me from access to fair credit, housing, and stability. The stress and emotional harm from being judged by inaccurate information has been overwhelming. 
I am asking the CFPB to investigate these issues and require the credit reporting agencies and furnishers to remove the wrong addresses, delete the false late payments, correct the duplicate student loan reporting, and remove the unauthorized inquiry. I have a legal right under the Fair Credit Reporting Act to have only accurate and verifiable information reported about me. The continued reporting of this false information is not only unfair, but it is unlawful.

Company response to consumer: Closed with non-monetary relief