Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and credit reporting agencies for the reporting of false, inaccurate, and unverified information on my consumer credit files in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following errors and violations have caused serious harm to my creditworthiness, financial opportunities, and peace of mind : 1. Wrong/Incorrect Personal Information Reported The credit bureaus are reporting wrong addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are inaccurate, misleading, and must be deleted immediately. 

2. Inaccurate/Unverified Account Reporting The following accounts are being reported with inaccurate, misleading, and/or unverifiable information : Capital XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Balance : {$2300.00} Opened : XX/XX/XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Balance : {$1000.00} Opened : XX/XX/XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Balance : {$1000.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Balance : {$1700.00} Opened : XX/XX/XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Balance : {$600.00} Opened : XX/XX/XXXX XXXX XXXX Acct # XXXXXXXXXXXX XXXX XXXX Charge-Off Balance : {$920.00} Opened : XX/XX/XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Balance : {$980.00} Opened : XX/XX/XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Late Payment Balance : {$44000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Collection Balance : {$1500.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Collection Balance : {$960.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Collection Balance : {$1400.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Charge-Off Balance : {$2200.00} Opened XXXX XX/XX/XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Collection Balance : {$1600.00} Opened : XX/XX/XXXX Many of these accounts are being reported with duplicate entries, inaccurate balances, improper status designations ( late payment vs. charge-off vs. collection ), and unverifiable data. These are clear violations of FCRA 1681e ( b ) and 1681i, which require maximum possible accuracy and proper reinvestigation of disputed items.

3. Harm Suffered Because of these errors : I have been wrongfully denied credit opportunities.

My credit scores have been unfairly lowered.

I have suffered emotional and financial XXXX  due to the reckless reporting of false information. 

Requested Relief I respectfully demand that the CFPB : Investigate these violations and hold the furnishers and CRAs accountable.

Require the immediate deletion of all inaccurate addresses.

Require the deletion or full verification of all inaccurate and unverified accounts listed above.

Compel furnishers and CRAs to comply with all provisions of the Fair Credit Reporting Act and Consumer Financial Protection regulations.

Company response to consumer: Closed with non-monetary relief