Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against the major credit reporting agencies and several furnishers for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverifiable, and misleading information on my credit report. Despite my repeated good faith efforts to maintain accurate information, the following errors continue to appear, damaging my credit reputation and causing financial and emotional distress. 
WRONG ADDRESSES : XXXX XXXX XXXX, XXXX, XXXX  XXXX These addresses are clearly not mine and should be immediately deleted from my credit report. The continued reporting of these addresses is misleading, confusing, and violates FCRA 602, which protects consumers from inaccurate and outdated information that may harm their financial integrity. 
DISPUTED ACCOUNTS AND ISSUES XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$300000.00} | Late Payment I have never made late payments on this account. The reported delinquencies are inaccurate and misleading. Please verify the full payment history and correct the report immediately. 
XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$29.00} | Late Payment This is a serious reporting error. I have always paid this account on time. I request validation of all alleged late payments and correction of my payment history under FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$240.00} | Late Payment The reported delinquency is false. I request a detailed investigation and removal of all incorrect late payment notations. 
XXXX XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment This account is incorrectly reported with late payments despite a XXXX balance. I request an immediate correction. 
XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$1100.00} | Charge Off I have no knowledge of this account or any business relationship with XXXX XXXX XXXX. I request complete verification including signed application and payment records. If verification can not be provided, this account must be deleted immediately under FCRA 611. 
XXXX XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$1700.00} | Late Payment The reported late payments are inaccurate and should be corrected immediately upon investigation. 
FCRA VIOLATIONS AND IMPACT These repeated and ongoing inaccuracies constitute violations of FCRA 602, 604, 607 ( b ), 611, and 623, which require furnishers and credit reporting agencies to maintain fair, accurate, and verifiable consumer credit information. 
The failure to ensure accuracy and the refusal to remove unverifiable data have directly harmed my creditworthiness, caused financial setbacks, and created undue emotional stress. 
REQUEST FOR INVESTIGATION I respectfully request that the CFPB : XXXX. Conduct a full investigation into the reporting practices of the credit bureaus and furnishers listed above. 
XXXX. Ensure deletion or correction of all inaccurate addresses, unauthorized inquiries, and unverifiable accounts. 
XXXX. Hold the responsible entities accountable for non-compliance with FCRA regulations. 
XXXX. Provide me with a detailed report of all actions taken and findings from this complaint. 
Supporting Documentation I am including copies of my government-issued ID, recent utility bill ( proof of current address ), and a recent credit report highlighting the disputed items for your reference. 
Thank you for your attention to this serious matter. I trust the CFPB will take appropriate steps to ensure my consumer rights under federal law are upheld.

Company response to consumer: Closed with non-monetary relief