Consumer complaint received 2025-06-07 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against several credit furnishers and data furnishers for reporting inaccurate and outdated information on my credit report, which has caused me significant harm including credit denials and increased financial stress. Despite attempts to resolve these issues directly with the furnishers and credit reporting agencies ( Equifax, Experian, and TransUnion ), the errors persist. 
I would like to bring your attention to the following issues : Wrong Address Reporting ( Violation of FCRA 602 & 607 ( b ) ) The following addresses are incorrectly listed on my credit report. I have never lived at or been associated with these locations : XXXX. XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX, XXXX, MA XXXX These incorrect addresses are damaging to my credit profile and may be linked to potential identity confusion or errors in the reporting process.

Law Violated : Fair Credit Reporting Act ( FCRA ) 607 ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
FCRA 602 ( A ) Consumers have a right to accurate and fair credit reporting. 
Late Payment Reporting ( Violation of FCRA 623 & 15 U.S. Code 1681s-2 ) The following accounts are inaccurately or unfairly reporting late payments which I dispute : XXXX. XXXX XXXX  XXXX - Acct : XXXX * o Date Opened : XX/XX/XXXX o High Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Acct : XXXX * o Date Opened : XX/XX/XXXX o High Balance : {$7800.00} XXXX. XXXX XXXX - Acct : XXXX o Date Opened : XX/XX/XXXX o XXXX XXXX : {$19000.00} 4. XXXX XXXX - Acct : XXXX o Date Opened : XX/XX/XXXX o High Balance : {$60000.00} These furnishers have failed to verify and validate the accuracy of the late payment data upon dispute, and in some cases, the delinquency is the result of administrative errors or COVID-related hardship protections that were ignored.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

FCRA 623 ( b ) Upon notification of a dispute, the furnisher must investigate the disputed information and report the results to the consumer reporting agency.

Charge-Off Reporting ( Violation of FCRA & FDCPA ) XXXX. XXXX XXXX - Acct : XXXX * o Date Opened : XX/XX/XXXX o High Balance : {$0.00} o Status : Charge-Off This account is showing a charge-off with a {$0.00} balance, which is inaccurate and misleading. A charge-off with no amount owed suggests either a clerical error or an account that should be removed. This erroneous status negatively affects my creditworthiness.

Law Violated : FCRA 607 ( b ) Furnishers must ensure information is accurate and complete.

FDCPA 807 ( 2 ) ( A ) Prohibits the false representation of the character, amount, or legal status of any debt.

Requested Resolution : I respectfully request that the CFPB : Investigate these violations thoroughly. 
Direct the furnishers and credit bureaus to permanently delete the incorrect addresses. 
Instruct the furnishers to correct or remove the inaccurately reported late payments and the charge-off. 
Ensure all disputed information is verified, corrected, or deleted in accordance with the FCRA. 
Additional Notes : I am willing to provide identity verification, address documentation, and relevant correspondence. 
These inaccurate reports are obstructing my ability to obtain housing, employment, and financial stability. 
Thank you for your attention to this matter. I hope for a swift and just resolution.

Company response to consumer: Closed with non-monetary relief