Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unverifiable items currently being reported on my consumer credit reports. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be complete, accurate, and verifiable. 

Despite my responsibility as a consumer, the following information is being reported incorrectly and must be reinvestigated and corrected or deleted. 

XXXX. Incorrect Addresses Not Mine The following addresses are being reported on my credit file but do not belong to me. I have no knowledge of these addresses, and they are inaccurately associated with my credit profile. I am requesting immediate deletion of these addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Accounts XXXX XXXX Payments Inaccurate The following accounts are reporting late payments, which is factually incorrect. I have never made a late payment on these accounts. This information is inaccurate and must be corrected to reflect an accurate payment history or deleted if it can not be fully verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$500.00} | Date Opened : XX/XX/XXXX | Late Payment reported XXXX. XXXX & XXXX Accounts No Knowledge/ Not Mine The following accounts are being reported as charge-off and collection, but I have no knowledge of these accounts, and they do not belong to me. These entries must be fully investigated, and if they can not be verified as accurate, they must be deleted or corrected immediately : XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$32000.00} | Date Opened : XX/XX/XXXX | Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$600.00} | Date Opened : XX/XX/XXXX | Collection Request for CFPB Assistance I am requesting that the CFPB require the reporting furnishers and credit reporting agencies to : Conduct a full and lawful reinvestigation under the FCRA Delete any information that can not be fully verified Correct inaccurate late payment reporting Remove addresses that are not mine Ensure my credit report reflects accurate and verifiable information only Please note that continued reporting of inaccurate or unverifiable information is not compliant with federal law. 

Thank you for your assistance in ensuring accuracy and compliance in my credit reporting.

Company response to consumer: Closed with non-monetary relief