Consumer complaint received 2025-10-10 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:
I am submitting this complaint regarding inaccurate and harmful reporting on my credit file that has caused financial distress, stress, and potential violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws. I request CFPB intervention to ensure proper reinvestigation, correction, and deletion where applicable. 

Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never had any association with this property. No lease, mortgage, utility bill, or government record connects me here. FCRA 1681i guarantees that disputed information must be verified or removed. Reporting this inaccurate address is misleading and damaging. Previous disputes have not led to correction. I demand immediate reinvestigation and removal if verification can not be provided. Continued reporting violates FCRA 1681e ( b ). Failure to remove exposes the bureau to liability. Written confirmation of deletion is required. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2023 Balance Owed : {$25000.00} Late Payment This account is reported with inaccurate late payments and possibly incorrect balance. FCRA 1681i ( a ) requires reinvestigation of disputed items. I have previously provided evidence showing accurate payment history, yet no correction has been made. Reporting unverifiable late payments misrepresents my financial behavior and harms my creditworthiness. I demand primary source documentation showing the alleged delinquency. Reporting without verification violates FCRA 1681s-2 ( a ). Any negative reporting from unverified claims is illegal. I require detailed statements, payment logs, and notices to substantiate this account. Failure to investigate is negligent under FCRA 1681e ( b ). I insist on deletion until proper verification is produced. Re-reporting unverifiable data constitutes a legal violation. Written confirmation of actions taken must be provided. Continued reporting of false information is unlawful and damaging. I demand correction or removal immediately. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2023 Balance Owed : {$86.00} Collection This collection account is not mine and has been reported incorrectly. Under FCRA 1681i, all disputed items must be reinvestigated and corrected if unverifiable. I demand documentation proving this account belongs to me. Reporting an unverifiable collection violates FCRA 1681s-2 ( a ). Inclusion of this account harms my creditworthiness and misrepresents my payment behavior. Previous disputes have not resulted in correction. I insist on deletion until proper verification is provided. All balance, status, and reporting history must be substantiated. Any negative impact from unverified accounts is illegal. Failure to investigate is a violation of FCRA 1681e ( b ). I require written confirmation of deletion or verified documentation. Continued reporting of this account is considered negligent and unlawful. I demand immediate removal of this unverifiable collection. All reporting must comply with federal law. 

I am requesting your intervention to ensure the removal of the inaccurate address, correction or deletion of the XXXX XXXX chargeoff, and permanent removal of the unauthorized XXXX XXXX inquiry. These actions are required to restore the accuracy of my credit file in compliance with FCRA and to prevent further financial harm. I expect a prompt investigation, correction, and documentation provided to me confirming these actions have been completed.

Company response to consumer: Closed with non-monetary relief