Consumer complaint received 2025-10-02 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:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report is reporting inaccurate, incomplete, and unverifiable information which is causing me serious harm. These errors are not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand a full reinvestigation and removal of all the disputed items listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address This address does not belong to me and has never been associated with my actual residence history. Keeping this false address on file violates FCRA Section 607 ( b ) because it does not ensure maximum possible accuracy. An address is a critical part of consumer identification, and when a wrong one is attached, it risks linking me to accounts, collections, or debts that are not mine. This can create identity confusion and potential fraud connections. I have disputed this before, yet the bureau has failed to delete it, which violates Section 611 that requires correction or deletion of disputed information that can not be verified. The bureau has also failed to provide documentation under Section 609 ( a ) to show where this address was obtained. Without a lease, utility bill, or government record linking me to this address, there is no lawful basis for reporting it. Continuing to include this false address suggests negligence or willful noncompliance. Under FCRA Section 602, Congress recognized the importance of accurate reporting, and this violation undermines that intent. The presence of this false address directly harms my consumer profile by associating me with places I never lived. It must be deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Chargeoff This account is reporting as a charge-off, yet the bureau has failed to verify its accuracy with original creditor documentation. Under FCRA Section 611, when a consumer disputes an item, the bureau must reinvestigate and provide proof from the furnisher. No signed agreement, original contract, or itemized statement of account has been provided, which means this reporting is unverifiable. Section 607 ( b ) requires the bureau to ensure maximum possible accuracy, yet the continued reporting of an unvalidated charge-off shows failure to comply. Section 609 ( a ) gives me the right to know the sources of the information, but this was not disclosed in prior disputes. Without proper validation, this charge-off is hearsay data and can not lawfully remain on my credit file. The bureaus reliance on electronic database verification rather than original records is insufficient under the law. A charge-off has a severe negative impact on my creditworthiness and should not remain without strong substantiation. Under Section 623, furnishers are required to report accurate information and correct errors, but no corrections have been made despite disputes. This repeated inaccuracy causes financial harm and is a direct violation of my rights under FCRA Sections 602 and 611. Immediate deletion is required. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Late Payment This account is showing late payments that are not accurate or properly validated. I have disputed this before, yet the bureau continues to report late marks without providing documentation. Under FCRA Section 623, furnishers must provide accurate information and must investigate disputes, yet XXXX XXXX has not produced proof of delinquency. Section 611 requires the bureau to delete or correct any disputed item that can not be verified, yet no correction has been made. The bureau has failed to provide billing statements or payment records that validate the claimed late payments. Section 609 ( a ) gives me the right to the sources of reporting, but no original source has been shared. Reporting unverified late payments is damaging to my creditworthiness and violates the requirement of maximum possible accuracy under Section 607 ( b ). Late payment entries without proof are misleading and harmful. This negligence shows a disregard for the law and demonstrates that the bureau is not following reasonable procedures. Continued reporting after multiple disputes also raises the issue of willful noncompliance under Section 616, which creates liability for damages. This account must be corrected or deleted immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Late Payment This account is reporting late payments that are inaccurate and unverifiable. The balance and dates shown do not match any valid contract or billing history I have. Section 611 requires reinvestigation of disputed accounts, yet the bureau has not provided evidence from the creditor. Section 609 ( a ) entitles me to disclosure of all sources of reporting, but no such documentation has been provided. The bureau appears to rely on automated systems that repeat errors rather than investigating with original documents. This violates Section 607 ( b ) which mandates maximum possible accuracy. Reporting unverifiable negative marks is a violation of my rights as a consumer. Section 623 also requires furnishers to provide corrections when accounts are disputed, but no correction has been made. Late payment marks are damaging because they misrepresent my actual financial conduct. Keeping this account in its current form creates misleading credit history and violates federal protections recognized under Section 602. The bureaus refusal to correct or delete it after prior disputes demonstrates negligence or intentional disregard of the law. This item must be deleted if it can not be fully validated with original records. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment This Department of Education account is inaccurately showing late payments. I have disputed this before, but the bureau has failed to provide validation. Section 609 ( a ) requires disclosure of the source of all information, yet I have not received proof of delinquency. Section 611 requires that unverifiable information be deleted within XXXX  days, but the bureau continues to report it. Section 607 ( b ) requires accuracy, but this item is inaccurate. No original payment history or billing record has been produced to prove the alleged late payments. The Department of Education has not provided signed documentation or validated data that substantiates this reporting. By maintaining these entries without proof, the bureau is violating FCRA requirements and harming my creditworthiness. Section 623 obligates furnishers to report accurately and correct errors, but they have failed. The presence of this unverifiable negative item misrepresents my payment history and creates a false image of delinquency. The bureaus inaction shows a failure to comply with federal law, and this account must be deleted if it can not be proven with original records. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Late Payment This second Department of Education account is also inaccurately reporting late payments that are not supported by evidence. Section 611 requires thorough reinvestigation, but the bureau has failed to provide results supported by original records. Section 609 ( a ) requires that I be given the source of this information, but this has not been disclosed. Section 607 ( b ) requires accuracy, yet this reporting is inaccurate. No proof of late payments has been produced, no original payment history has been shown, and no validation of delinquency exists. Reporting this unverifiable item is unlawful and causes direct harm to my credit standing. Section 623 requires furnishers to correct errors when notified, but no correction has been made. By continuing to report this false entry after prior disputes, the bureau demonstrates negligence and willful noncompliance, which creates liability under Sections 616 and 617. Under Section 602, the intent of Congress was to protect consumers from the very harm this reporting is causing. This account must be removed immediately if it can not be verified with original records and complete documentation. 

I request that the CFPB investigate these violations and take appropriate enforcement actions. These items are harming my credit profile, my ability to obtain housing, employment, and credit opportunities, and they are reported in violation of federal law. The incorrect address and the inaccurate accounts listed above must be permanently deleted as they can not be verified under the law.

Company response to consumer: Closed with non-monetary relief