Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against multiple furnishers and credit reporting agencies for inaccurate, misleading, and unverifiable information being reported on my credit report. Despite my attempts to have these errors corrected directly with the credit bureaus, they continue to report false information in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies have caused serious harm to my credit reputation, emotional distress, and denial of financial opportunities. 
INCORRECT ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address These addresses are not associated with me at any point in time. Reporting false residential history is a serious violation of FCRA 607 ( b ) which mandates that consumer reporting agencies maintain the utmost accuracy in reporting personal information. These addresses must be immediately deleted from my credit profile as they create confusion and possible fraud risk. 
ACCOUNT DISPUTES AND ERRORS XXXX XXXX - XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$7900.00} | Late Payment I dispute the reported late payment as I have never missed or been late on this account. The reporting of a late payment is false, and I demand that the payment history be corrected to Paid as Agreed / Never Late. Under FCRA 611 and 623 ( a ) ( 1 ) ( A ), furnishers must ensure all information reported is complete and accurate. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$420.00} | Late Payment This account inaccurately reflects a late payment. I have documentation showing consistent on-time payments. I request that the credit bureau correct this record and update it as never late in compliance with FCRA 607 ( b ). 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$940.00} | Late Payment The alleged late payment reporting is incorrect and misleading. I was never late on this account, and no proper notice or proof of delinquency was provided. Please reinvestigate this matter and correct my payment history accordingly. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment This account should not report any late status as the balance has been {$0.00}, and there is no delinquency record. Reporting a late payment on a XXXX balance account is inaccurate and misleading, violating FCRA 607 ( b ). 
XXXX XXXX Date Opened : XXXX XXXX, XXXX | Balance : {$290.00} | Late Payment This accounts payment history is being reported inaccurately. I never missed a payment, and there is no record of any notification from the creditor about a delinquency. Please remove or correct the late payment notation immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$77.00} | Collection I have no knowledge of this account and have never received any validation or notice of debt from this collection agency. Under FDCPA 809 ( b ), I am requesting debt validation and a full investigation into this account. Until verified, it must be deleted immediately as unverified and inaccurate per FCRA 611 ( a ). 
UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX IN XX/XX/XXXX These inquiries were made without my consent or authorization. Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required to access a consumers credit file. I demand these unauthorized hard inquiries be removed immediately as they were conducted without my written or verbal approval. 
SUMMARY OF VIOLATIONS XXXX. Violation of FCRA 607 ( b ) Failure to maintain maximum accuracy in reporting. 
XXXX. Violation of FCRA 611 ( a ) Failure to properly investigate disputes and correct inaccurate data. 
XXXX. Violation of FDCPA 809 ( b ) Reporting unvalidated debts. 
XXXX. Violation of FCRA 604 ( a ) ( 3 ) Unauthorized access to my credit report. 
These errors are causing me ongoing financial damage, preventing access to credit, and harming my credibility as a consumer. 
FAIR RESOLUTION REQUEST I respectfully request that the CFPB : Conduct a full investigation into these reporting errors. 
Require the credit bureaus and furnishers to remove all false addresses, unauthorized inquiries, unverified collections, and incorrect late payment entries. 
Ensure compliance with all federal laws to restore my credit report to an accurate and fair state. 
Provide written confirmation of corrective actions taken. 
Thank you for your time and attention to this matter. I am requesting immediate review and resolution under the authority of the CFPB.

Company response to consumer: Closed with non-monetary relief