Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because the major credit reporting agencies and creditors listed below are reporting inaccurate, unverifiable, and misleading information on my credit report, which is causing harm to my credit profile and financial standing. 
Despite my repeated attempts to dispute and correct these errors directly with the credit bureaus, they have failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 611 and 607 ( b ). 
Upon reviewing my credit report, I discovered the following incorrect addresses that are not and have never been associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX Wrong Address These addresses are completely inaccurate and must be immediately deleted from my credit file, as they may be linked to fraudulent or mistaken reporting activity. 
Additionally, I am disputing the following account inaccuracies : XXXX XXXX XXXX ( Acct : XXXX ) High Balance : {$380000.00} Late Payment Reported I have never made any late payments on this account. The reported late payment is false and unverifiable. Please conduct a full reinvestigation and update my payment history to show all on-time payments. 
XXXX XXXX ( Acct : XXXX ) High Balance : {$700.00} Date Opened : XX/XX/XXXX Late Payment Reported I dispute the accuracy of the late payment history reported. I have no record of any missed or delayed payments. Please correct the payment history to reflect Paid as Agreed. 
XXXX XXXX ( Acct : XXXX ) High Balance : {$430.00} Date Opened : XX/XX/XXXX Late Payment Reported This late payment entry is inaccurate. I have always maintained my payments in good standing. Kindly reinvestigate and update this account to show no late payments. 
XXXX  ( Acct : XXXX ) High Balance : {$350.00} Date Opened : XX/XX/XXXX Charge-Off I have no knowledge or recollection of this account. I never opened or authorized this account with the mentioned creditor. Please provide full verification, including signed agreements and payment records. If you can not verify ownership, this account must be deleted immediately under FCRA 611. 
XXXX XXXX XXXX ( Acct : XXXX ) High Balance : {$910.00} Date Opened : XX/XX/XXXX Charge-Off I have no knowledge of this account and did not authorize any such credit transaction. As per FCRA 609 ( a ) ( 1 ) ( A ), please provide complete documentation verifying my legal responsibility for this account. Otherwise, remove it immediately for failure to verify.

Summary of Violations : FCRA 602 ( A ) : Failure to maintain maximum possible accuracy of consumer data.

FCRA 607 ( b ) : Reporting inaccurate and unverified information.

FCRA 611 : Failure to conduct a reasonable reinvestigation after dispute.

FCRA 609 ( a ) ( 1 ) ( A ) : Failure to provide verification documents upon request.

These errors have caused significant harm to my credit reputation and have led to unfair denials of credit opportunities. I am requesting the CFPBs assistance to ensure that these credit reporting agencies and furnishers conduct proper investigations, provide full documentation, and remove all inaccurate and unverifiable information from my credit report. 
I am attaching supporting documentation, including a copy of my ID, proof of current address, and previous dispute letters sent to the credit bureaus. 
Thank you for your prompt attention to this matter. I request written confirmation once this complaint has been reviewed and acted upon.

Company response to consumer: Closed with explanation