Consumer complaint received 2025-08-06 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 writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( XXXX Equifax, and XXXX  ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 611 ( 15 U.S.C. 1681i ) Issue : Wrong address reporting Story : I never lived at or used this address in any financial activity. Its presence on my report is misleading and damages my credit profile XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 611 ( 15 U.S.C. 1681i ) Issue : Unauthorized address reported Story : I have never lived at or used this address. Including this in my report creates confusion and increases risk of identity mix-up ACCOUNT XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Law : FCRA 611 ; FCRA 607 ( b ) Issue : Late payment inaccurately reported Story : I dispute this late payment, as I was in communication with the creditor and made arrangements in good faith. This entry is harming my credit and must be corrected or removed XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00} XXXX XXXX Law : FCRA 611 Issue : Inaccurate late payment reported Story : I was not late on this account ; there is no documentation provided to support this derogatory data. Please reinvestigate and correct it XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX Law : FCRA XXXX Issue : Late payment despite settled status Story : This account was closed and settled without any outstanding balance. Reporting late payment is unfair and misleading XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Law : FCRA 611 Issue : Unjustified late payment reporting Story : This account has been inactive and closed with no balance. There is no legitimate reason to report a late payment on it XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX Law : FCRA 611 Issue : Charged-off account requires verification Story : This account was disputed previously. I request proper verification as required by law, otherwise this charge-off must be deleted immediately XXXX XXXX Account # : XXXX * Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611 Issue : Incorrect late payment Story : I was not late on this account, and no proof has been provided. I demand reinvestigation and deletion of this derogatory entry INQUIRY XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Unauthorized access to my credit Story : This inquiry was done without my knowledge or consent XXXX  Date : XX/XX/XXXX Law : FCRA 604 Issue : No valid reason for inquiry Story : I do not have any account or application with this entity XXXX  XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Inquiry not authorized Story : I never requested credit or gave permission for this inquiry The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

Company response to consumer: Closed with non-monetary relief