Consumer complaint received 2025-06-11 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: MO

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding my credit report. I have identified several inaccurate and unverifiable negative items that are severely affecting my financial wellbeing, including wrongful late payment reporting and a fraudulent address that I have never resided at.

Despite numerous attempts to resolve these issues directly with the Credit Reporting Agencies ( CRAs ) Equifax, Experian, and TransUnionthe inaccurate items remain on my credit report. I have been denied fair credit opportunities and have suffered emotional and financial stress due to these violations. 
Below are the disputed items : Wrong Address Reporting Reported Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX Issue : I have never resided at this address and have no known connection to it. Its continued presence on my report constitutes inaccurate reporting. 
Law Violation : FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) Failure to delete inaccurate or unverifiable information after dispute. 
Account Disputes 1. XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$87000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late Payment reported without proper documentation or validation. I have requested proof, and none has been provided. 
Violation : FCRA 1681i Failure to investigate disputed information.

FCRA 1681s-2 ( b ) Furnisher 's duty to investigate and report accurately. 
2. XXXX Acct : XXXX XXXX High Balance : {$4000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Incorrect and duplicated late payment reporting. I requested verification and correction, but the issue remains unresolved.

Violation : FCRA 1681c-2 Blocking of information resulting from identity theft or erroneous data.

FCRA 1681i Failure to correct inaccurate information. 
3. XXXX Acct : XXXXXXXX XXXX  High Balance : {$5500.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Duplicate entry for the same account with a different balance. This is misleading and inflates my debt profile unfairly. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers not to report inaccurate information.

FCRA 1681e ( b ) Failure to ensure accuracy.

4. XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$14000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late payment reported despite my payment history showing no delinquency. 
Violation : FDCPA 807 ( 15 U.S. Code 1692e ) False representation of character and legal status of debt.

FCRA 1681s-2 ( b ) Failure of data furnisher to investigate and correct. 
5. XXXX XXXX Acct : XXXX XXXX  High Balance : {$4000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Unverified late payment reporting. I requested documentation which has not been produced. 
Violation : FCRA 1681i Duty to investigate disputed data and remove unverifiable accounts.

FCRA 1681e ( b ) CRA failed to ensure accuracy of reported information. 
6. XXXX XXXX  Acct : XXXXXXXX XXXX  High Balance : {$5500.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Duplicate and inconsistent reporting similar to above ; results in unjust score damage. 
Violation : FCRA 1681s-2 ( a ) Reporting of inaccurate data.

FCRA 1681i ( a ) No reinvestigation conducted on my written disputes.

Summary of Violations These issues show a clear disregard for my rights under the FCRA and FDCPA. The credit bureaus and furnishers involved have failed to conduct proper investigations, delete inaccurate information, and ensure the integrity of my consumer data.

Requested Action : I respectfully request the CFPB to : Launch a formal investigation into the reporting of these accounts and the listed address.

Compel the CRAs and furnishers to delete or correct any information found to be inaccurate, unverified, or duplicated.

Enforce penalties and sanctions if willful noncompliance is found under FCRA or FDCPA.

Provide me with a full written resolution report.

Thank you for your time and for protecting the rights of consumers like me. I am attaching a copy of my credit reports and written disputes for your review.

Company response to consumer: Closed with non-monetary relief