Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) This is an official complaint regarding severe FCRA and FDCPA violations by the credit reporting agencies and the furnishers reporting false, unverified, and fraudulent information on my credit report. I am filing this complaint because multiple wrong addresses, false late payments, unauthorized inquiries, and an unknown collection account are being reported under my profile without any legal validation or proper verification. Under FCRA 602, 606, 607 ( b ), 609, 611, and 623 and FDCPA 807 and 809, these entities are required to report accurate information and verify disputed accounts, yet they have failed to do so. The following items are causing financial harm, emotional distress, and are creating a mixed-file/identity issue that must be corrected immediately. All items are listed below with specific issues. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Not mine, this address must be deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I have never lived here, never used it, nor have any connection to this property. Reporting this address is a violation of FCRA accuracy requirements. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Wrong Address This location is not connected to me, and reporting it creates identity confusion and increases risk of mixed-file issues. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I never resided at this location. Remove immediately. 

XXXX XXXX XXXXXXXX XXXX  Wrong Address Not mine, this address must be deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address I have no link to this property. Must be removed as mandated by FCRA XXXX ( b ) accuracy requirement. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXX Issue : The late payment reporting is 100 % inaccurate. I never made any late payment on this account. This violates FCRA 623 ( a ) ( 1 ) ( A ) because furnishers can not report information they know or should know is inaccurate. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$200.00} Date Opened : XX/XX/XXXX Issue : Late payment is falsely reported. I have never missed or been late on this account. Please correct the payment history immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$20000.00} Date Opened : XX/XX/XXXX Issue : Late payment is inaccurate. I have no record of any delinquency. This information must be corrected under FCRA 611. 
XXXX XXXX XXXXXXXX * * * High Balance : {$28000.00} Date Opened : XX/XX/XXXX Issue : This late payment is being falsely reported. I never made late payments. I demand correction of the reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$160.00} Date Opened : XX/XX/XXXX Issue : I have no knowledge of this account, never received a bill, notice, or validation. This appears to be fraudulent or mixed-file reporting. Under FCRA 609 ( a ) and FDCPA 809, this must be removed if it can not be fully validated.

REQUEST FOR CFPB ACTION I request CFPB to hold the credit bureaus and furnishers accountable for failing to maintain accurate consumer information. I am requesting : 1. Immediate removal of all wrong addresses 2. Correction of all false late payment history to Never Late 3. Deletion of the CAINE & WEINER collection account due to no knowledge and no validation 4. Removal of all unauthorized hard inquiries 5. Enforcement of FCRA compliance and penalties for non-compliance 6. A full reinvestigation and written confirmation once completed These errors have harmed my creditworthiness, caused financial damage, and continue to block my access to fair credit opportunities. I am requesting urgent regulatory assistance.

Company response to consumer: Closed with non-monetary relief