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: OH

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Law/Issue : FCRA 607 ( b ) maximum possible accuracy required.

Story : This address is not mine and was never associated with me. It should be deleted to ensure my report reflects only accurate identifiers. 

Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Law/Issue : FCRA 607 ( b ) inaccurate reporting.

Story : I have no connection to this address. Reporting it as part of my identity is false and must be corrected immediately. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Late Payment Law/Issue : FCRA 611, FCRA 623 ( a ) ( 1 ) prohibits reporting information that can not be verified.

Story : I dispute this late payment. The information is inaccurate and has not been validated. Please provide complete payment history or delete the late mark from my credit file. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Late Payment Law/Issue : FCRA 611, FDCPA 807 prohibits false representation of debt.

Story : This late payment is being inaccurately reported. I demand verification of the exact dates and records of delinquency. Without proper evidence, the bureau must remove this derogatory entry.

Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Chargeoff Law/Issue : FCRA 611 requires the bureau to reinvestigate disputed items. FCRA 623 ( a ) ( 1 ) prohibits reporting unverifiable information.

Story : I dispute this charge-off status. No original signed documentation or contractual evidence has been provided to me. Without complete verification, this account must be deleted from my credit report.

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief