Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate items reported on my credit report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to report accurate, complete, and verifiable information. Some items may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., by reporting false delinquencies or collections. I request that all inaccurate information be investigated, corrected, or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This is an erroneous address linked to my credit file. It is not associated with me in any way. Maintaining this false information is inaccurate reporting under 15 U.S.C. 1681i. I demand its removal without delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never resided at this address. Its presence on my credit report is entirely inaccurate and misleading. Under FCRA 1681i ( a ), the reporting agency is required to correct such inaccuracies. I request immediate correction or deletion. 
XXXX XXXX Late Payment ( Date Opened : XX/XX/XXXX, Balance Owed : {$480000.00} ) The late payment status reported is false. I have consistently made all payments on time. Reporting a late payment I did not make constitutes a violation of FCRA 1681s-2 ( b ), which requires furnishers to report accurate payment histories. I request the late payment notation be removed and the account history corrected to reflect accurate payments. 
XXXX XXXX Late Payment ( Date Opened : XX/XX/XXXX, Balance Owed : {$8.00} ) This account incorrectly lists a late payment. I have never been late on this account. The inaccurate reporting is a violation of FCRA 1681s-2 ( b ). I demand immediate correction to reflect timely payments. 
XXXX XXXX XXXX XXXX Late Payment ( Date Opened : XX/XX/XXXX, Balance Owed : {$8600.00} ) XXXX XXXX XXXXXXXX XXXX Late Payment ( Date Opened : XX/XX/XXXX, Balance Owed : {$8600.00} ) Both entries are falsely reported as late. I have consistently met my payment obligations. Reporting these late payments is inaccurate and harmful, violating FCRA 1681s-2 ( b ). I request immediate correction of payment history to reflect accurate and timely payments. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment ( Date Opened : XX/XX/XXXX, Balance Owed : {$4600.00} ) This account falsely lists a late payment. I have never missed a payment. This is a clear violation of FCRA 1681s-2 ( b ). I demand correction to reflect accurate payment history.

Desired Resolution : Investigate each item listed above. 
Correct any inaccuracies and remove false late payments, collections, and inquiries. 
Remove incorrect addresses. 
Provide written confirmation and an updated credit report reflecting these corrections. 
Supporting Documents ( if any ) : [ List any supporting documents like ID proof, utility bills, payment statements, etc. ] Additional Information : Continued reporting of inaccurate information may constitute willful violations under FCRA 1681n and FDCPA 1692k. I expect immediate action and response. 
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Company response to consumer: Closed with explanation