Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
I am submitting this complaint against the entities listed below for reporting inaccurate, unverifiable, and unauthorized information to the credit bureaus, which has caused damage to my creditworthiness and violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request the CFPB to investigate and ensure immediate correction, deletion, or validation of the accounts and inquiries listed below. 

ADDRESSES XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX These addresses are being falsely reported as part of my credit file. They are not associated with my verified personal information or legitimate residence history. Reporting outdated or unverifiable addresses directly violates FCRA 607 ( b ) which mandates maximum possible accuracy and 611 ( a ) ( 5 ) ( A ) which requires deletion of unverifiable information. These false addresses are causing confusion and linking my profile with unrelated accounts. I am demanding immediate deletion of these addresses from my credit report. 

XXXX Account XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance : {$55.00} Late Payment * * This account continues to report late payment data that remains unverified. No documentation, billing record, or original creditor validation has been produced to prove this delinquency. Reporting such unverifiable information violates 623 ( a ) ( 1 ) ( A ) and 607 ( b ). The bureaus failure to ensure verified accuracy after prior notice breaches 611 ( a ) ( 1 ) ( A ). This unsubstantiated report causes reputational and financial harm and must be deleted immediately. 

XXXX Account # XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This account is being reported with a XXXX balance yet still shows a late payment, which is contradictory and misleading. The bureaus responsibility under XXXX ( b ) to maintain accuracy has been neglected. No original contract or billing proof has been provided. Continued reporting of unverifiable payment information constitutes noncompliance with 611 ( a ) ( 1 ) ( A ) and defamation under 616. Deletion of this item is required. 

XXXX XXXX Account # XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance : {$4.00} Late Payment * * This alleged late payment is inaccurate and unsupported by verifiable evidence. Furnishers have failed to conduct a lawful investigation as required by 623 ( b ) ( 1 ) ( B ). The bureaus reinvestigation process remains incomplete and violates 611 ( a ) ( 1 ) ( A ). Reporting information without substantiated records is negligent and damaging to my consumer rights under the FCRA. I demand this item be deleted immediately. 

XXXX Account # XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance : {$200.00} Late Payment * * This account reflects late payment data that remains unverifiable and inaccurate. The furnisher failed to provide supporting documents or contractual proof despite previous dispute. Under 607 ( b ) and 623 ( a ) ( 1 ) ( A ), continued reporting of this unverified account is unlawful. The absence of verification proves this data is unreliable and must be permanently removed to ensure compliance. 

INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my consent or permissible purpose as defined under FCRA 604 ( a ) ( 3 ). The credit bureau must ensure that each inquiry is authorized, legitimate, and properly documented. Reporting unauthorized access to my file without consumer approval violates 615 ( a ) and 607 ( a ). The inclusion of these inquiries damages my credit standing and breaches my right to privacy. Each of these inquiries must be verified with documented consumer authorization or permanently deleted from my file. 

I am requesting a full CFPB investigation into the above issues, including communication with the credit bureaus and furnishers responsible. I demand removal of any unverifiable or unauthorized items immediately and written confirmation of the actions taken. Failure to address these issues promptly will be considered continued willful noncompliance with federal law and further action will be taken if necessary.

Company response to consumer: Closed with non-monetary relief