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: AZ

Complaint narrative:
I am submitting this complaint to formally request the intervention of the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, incomplete, and legally noncompliant entries on my credit reports. These errors have severely impacted my credit standing and personal life. Despite my good-faith efforts to resolve these matters directly with the furnishers and credit reporting agencies, the issues persist. 

Incorrect Address Reporting The following addresses are incorrectly listed on my credit reports and do not belong to me at any point in time. I have no affiliation with these residences, yet they appear across multiple credit files : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Address Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Including false addresses violates this statutory obligation. 

I have submitted disputes regarding these addresses and requested proper reinvestigation. The credit bureaus failed to correct these errors or provide any validation that ties me to these addresses. 

Disputed Accounts and Legal Violations XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payment High Balance : {$230.00} | Date Opened : XX/XX/XXXXXXXX  Violation : Late payments were inaccurately reported beyond the statutory investigation period and without verification. 

Law Cited : FCRA, 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation upon dispute.

XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment High Balance : {$0.00} | Date Opened : XX/XX/XXXX Violation : Delinquency reported despite XXXX balance ; no supporting evidence was provided during dispute resolution. 

Law Cited : FCRA 1681s-2 ( b ) furnishers must verify or correct disputed information.

XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payment High Balance : {$720.00} | Date Opened : XX/XX/XXXXXXXX  Violation : Continued reporting of delinquencies without updated status after dispute. 

Law Cited : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibition against reporting information with knowledge of inaccuracy.

XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge Off High Balance : {$24000.00} | Date Opened : XX/XX/XXXX Violation : No validation of debt provided. Appears fraudulent or identity-related. 

Law Cited : FCRA 1681c-2 blocking information resulting from identity theft ; 18 U.S.C. 1028 identity theft.

XXXX. XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment High Balance : {$5300.00} | Date Opened : XX/XX/XXXX Violation : Failure to respond to dispute with documentation ; reporting remained unchanged. 

Law Cited : FCRA 1681i ( a ) ; FDCPA 809 ( b ) debt validation requirement.

XXXX. XXXX XXXX XXXX Account # XXXX Issue : Late Payment High Balance : {$12000.00} | Date Opened : XX/XX/XXXXXXXX  Violation : Continued derogatory reporting after disputed ; no reinvestigation documentation. 

Law Cited : FCRA 1681s-2 ( b ) XXXX. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX and # XXXXXXXX XXXX XXXX XXXX Issue : Charge Off High Balances : {$2100.00} and {$1100.00} | Dates Opened : XX/XX/XXXX & XX/XX/XXXXXXXX  Violation : Accounts reported as charged-off but were never authorized by me. Suspected identity theft. 

Law Cited : 15 U.S.C. 1681c-2 ; 18 U.S.C. 1028 identity theft provisions 8. XXXX XXXX XXXX Account # XXXX Issue : Collection High Balance : {$850.00} | Date Opened : XX/XX/XXXX Violation : Reporting future-dated collections, which is impossible and suggests gross inaccuracy. 

Law Cited : FCRA 1681e ( b ) ; FDCPA 807 false representation of debt.

XXXX. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collection High Balance : {$670.00} | Date Opened : XX/XX/XXXX Violation : No validation of the debt despite formal written request.

Law Cited : FDCPA 809 ( b ) ; FCRA 1681s-2 ( b ) XXXX. XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payment High Balance : {$47000.00} | Date Opened : XX/XX/XXXXXXXX  Violation : Furnisher failed to respond to dispute and continued furnishing derogatory data. 

Law Cited : FCRA 1681s-2 ; 15 U.S.C. 1681i Supporting Documentation I am prepared to submit the following documents with this complaint : Copies of dispute letters to credit bureaus FTC Identity Theft Report ( where applicable ) Proof of current and previous valid addresses Credit reports highlighting erroneous data Personal Impact These reporting errors have severely impacted my ability to obtain credit, caused emotional distress, and damaged my reputation. I have been denied loans, charged higher interest rates, and missed critical financial opportunities. I have spent extensive time and resources attempting to correct these mistakes to no avail.

Requested Resolution I respectfully request the CFPB to : Instruct the credit bureaus and data furnishers to delete all inaccurate addresses.

Delete or correct the accounts listed above in accordance with FCRA 1681i after a proper reinvestigation.

Enforce penalties for non-compliance and failure to reasonably investigate under 15 U.S.C. 1681s-2 ( b ).

Confirm deletion or correction in writing. 

Please advise if any additional documentation is needed. I appreciate XXXX  XXXX oversight and assistance in ensuring fair and accurate credit reporting practices.

Company response to consumer: Closed with non-monetary relief