Consumer complaint received 2025-10-08 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: PA

Complaint narrative:
I am filing this complaint with CFPB to address multiple inaccurate accounts, unauthorized inquiries, and wrong addresses reported on my credit report. These inaccuracies are severely impacting my creditworthiness, causing financial harm, and violating federal credit reporting laws. I request a thorough investigation, correction, and deletion of all inaccurate and unverifiable information. 

XXXX XXXX XXXX XXXX XXXX, NJ XXXX This address is incorrectly reported and has never been associated with me. FCRA Sections 607 ( b ) and 611 ( a ) mandate that all information be accurate and verifiable. Reporting false addresses misrepresents my credit file and can negatively impact my creditworthiness, borrowing capacity, and personal security. Verification documentation must be provided, and if unverifiable, this address must be deleted immediately. Maintaining inaccurate addresses is harmful, misleading, and a violation of federal law. I demand confirmation of correction or deletion. Reporting unverifiable addresses exposes me to identity theft, fraud, and financial harm. Accurate reporting ensures integrity and fairness in my credit profile. Duplicate and false addresses must be removed immediately. Failure to comply is a willful violation of FCRA Sections 607 ( b ) and 611 ( a ). Immediate reinvestigation is required. The continued presence of unverifiable addresses is harmful and unacceptable. Verification documentation must be disclosed or deletion must occur. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX Duplicate inaccurate address reporting continues, which violates Sections 607 ( b ) and 611 ( a ) of the FCRA. I have never lived at this location. Verification must be provided or the address must be permanently deleted. Reporting false addresses misrepresents my identity and negatively impacts lenders, landlords, and other financial institutions. Maintaining duplicate, unverifiable information exposes me to identity theft and financial harm. I demand full reinvestigation and written confirmation of deletion or correction. Failure to correct this violation is illegal and damaging. Accurate reporting protects my financial opportunities and creditworthiness. I insist on immediate deletion or correction of this false entry. Continued reporting is unacceptable and violates federal law. Verification documentation must be provided. 
XXXX XXXX XXXX XXXX, NJ XXXX This address is inaccurately reported and I have never resided here. FCRA Sections 607 ( b ) and 611 ( a ) require verification and removal of unverifiable data. Reporting false addresses misrepresents my residence history and harms my creditworthiness. Verification documentation must be provided or the entry must be deleted immediately. Maintaining unverifiable addresses exposes me to identity theft and financial harm. I demand immediate reinvestigation and written confirmation of deletion or correction. Continued reporting is illegal and harmful. Accurate reporting ensures compliance with federal law and protects my financial opportunities. I insist on prompt correction. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$0.00}, Date Opened XX/XX/XXXX This account is inaccurately reported and unverifiable. Section 609 of the FCRA requires complete verification of all account information before reporting. Section 611 ( a ) mandates reinvestigation of disputed items. Reporting unverifiable charge-offs damages my credit score, misrepresents my payment history, and limits financial opportunities. Verification must include account statements, contract documents, and evidence of delinquency. If these documents can not be provided, this account must be deleted immediately. Maintaining unverifiable accounts is harmful, misleading, and illegal. I demand reinvestigation, proper documentation, and confirmation of deletion if unverifiable. Continued reporting violates federal law and harms my financial reputation. Accurate reporting is critical to maintain credit integrity. Immediate corrective action is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, {$2600.00}, Date Opened XX/XX/XXXX This account is inaccurately reported. FCRA Sections 607 ( b ) and 611 ( a ) require verification of account status and deletion of unverifiable information. Reporting false charge-offs misrepresents my financial responsibility, lowers credit scores, and affects borrowing ability. Verification must include payment history, charge-off documentation, and original account agreements. If verification can not be provided, deletion is mandatory. Maintaining false accounts is illegal and harmful. I demand reinvestigation, documentation, and confirmation of deletion. Continued inaccurate reporting violates federal law. Accurate reporting ensures integrity and fairness. Immediate corrective action is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$17000.00}, Date Opened XX/XX/XXXX I dispute this late payment as inaccurate. FCRA Sections 607 ( b ) and 611 ( a ) require verification of all reported delinquencies. Reporting unverifiable late payments misrepresents my financial responsibility, negatively impacts credit scores, and limits access to credit. Verification must include billing statements, account statements, and official payment records. If verification can not be provided, this entry must be deleted immediately. Maintaining false late payments violates federal law and is damaging. I demand reinvestigation and written confirmation of correction or deletion. Accurate reporting protects my financial opportunities and reputation. Immediate corrective action is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, {$2400.00}, Date Opened XX/XX/XXXX This late payment is inaccurately reported and unverifiable. Sections 607 ( b ), 609, and 611 ( a ) require verification of all reported delinquencies. Reporting false or unverifiable late payments misrepresents my financial behavior, harms my credit score, and affects borrowing capacity. Verification must include billing statements and payment history. If unverifiable, deletion is mandatory. I demand reinvestigation, documentation, and written confirmation. Maintaining inaccurate late payments is illegal and harmful. Immediate action is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, {$3800.00}, Date Opened XX/XX/XXXX I dispute this reporting as inaccurate and unverifiable. FCRA Sections 607 ( b ) and 611 ( a ) require verification before reporting. False reporting lowers creditworthiness and misrepresents financial responsibility. Verification must include official payment records. If unverifiable, deletion is required. I demand reinvestigation and confirmation of correction or removal. Maintaining false reporting is harmful and illegal. Immediate action is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$2300.00}, Date Opened XX/XX/XXXX This account is inaccurately reported. Sections 609 and 611 ( a ) require verification. Reporting unverifiable late payments harms credit profile and misleads lenders. Verification must be provided or deletion executed immediately. I demand reinvestigation and confirmation. Maintaining false data is illegal and damaging. Immediate correction required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, {$3900.00}, Date Opened XX/XX/XXXX I dispute this late payment as inaccurate and unverifiable. Sections 607 ( b ) and 611 ( a ) require verification before reporting. False reporting harms credit scores, misrepresents financial history, and violates federal law. Verification must be provided or deletion executed. I demand reinvestigation and written confirmation. Immediate action required. 
XXXX XXXX XXXX XXXX XXXX  XXXX, {$0.00}, Date Opened XX/XX/XXXX This collection is inaccurately reported and unverifiable. Sections 609 and 611 ( a ) require documentation. Reporting false collections misrepresents my credit profile, harms financial opportunities, and is illegal. Verification must be provided or deletion executed. I demand reinvestigation and written confirmation. Immediate action required. 
XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}, Date Opened XX/XX/XXXX This collection is inaccurately reported. FCRA Sections 607 ( b ) and 611 ( a ) require verification. False collections harm creditworthiness and mislead lenders. Verification must be provided or deletion executed. I demand reinvestigation and written confirmation. Immediate correction required.

I request CFPB to ensure all inaccurate accounts, charge-offs, collections, unauthorized inquiries, and wrong addresses are thoroughly investigated, corrected, or deleted in accordance with the Fair Credit Reporting Act. Immediate action is required to prevent further harm to my creditworthiness and financial stability.

Company response to consumer: Closed with explanation