Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am submitting this complaint because several items are being reported inaccurately on my credit reports by various furnishers, and these inaccuracies are causing serious harm to my credit reputation. Despite my previous disputes and attempts to have these errors corrected, the listed creditors and credit reporting agencies have failed to ensure the accuracy and integrity of the information being reported, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Below are the specific items in question : Incorrect Addresses Reported XXXX XXXX XXXX XXXX XXXX I have never lived at or been associated with this address. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no connection to this address whatsoever. 

These addresses are incorrect and should be immediately removed from my credit report. Reporting unverified addresses raises serious concerns about data accuracy and identity integrity under FCRA 607 ( b ). 

Inaccurate Account Information XXXX  XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Issue : Late Payments Complaint : The late payment history being reported is false and unverified. I have never made a late payment to this account, and the reporting is inaccurate and damaging. I request full investigation and correction of this error. 

XXXX XXXXXXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Issue : Late Payments Complaint : The account history being reported is inaccurate. I have never made late payments to this account, and I demand correction of this false information. 

XXXX  ( Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Issue : Collection Account Complaint : I have no knowledge of this account being placed in collections. I was never notified of any delinquency or collection activity, which violates my consumer rights. I request immediate deletion of this unverified and inaccurate account. 

XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Issue : Late Payments Complaint : The reported late payments are completely inaccurate. I have always paid this account on time. I request the correction of this reporting to reflect an accurate payment history. 

Requested Resolution I am requesting the CFPB to : Conduct a thorough investigation into these reporting inaccuracies. 

Require the data furnishers and credit bureaus to provide documented proof of these claims or immediately delete/correct the inaccurate information. 

Enforce compliance with FCRA 602 ( A ), 607 ( b ), and 611 ( a ) to ensure data accuracy and consumer protection. 

The continued reporting of false, misleading, or unverifiable information represents clear noncompliance with the Fair Credit Reporting Act and is causing unwarranted harm to my credit standing and financial well-being. I expect this matter to be addressed promptly and with full regulatory oversight. 

Thank you for your time and attention to this matter. I look forward to your response and a fair resolution.

Company response to consumer: Closed with explanation