Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Law & Issue : FCRA 607 ( B ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy ; inaccurate addresses must be removed if they can not be verified.

Story : I have never resided, received mail, or conducted any financial transaction at this address. The continued reporting of this address after my first dispute indicates the bureau failed to correct or verify it. This could be the result of mixed files or identity theft. The bureau must permanently delete this address to ensure my file only contains accurate identifying information. 

ACCOUNTS XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment * * Law & Issue : FCRA 607 ( B ), 611 Information must be accurate and verifiable ; late payment entries must have supporting evidence from the original creditor.

Story : This account is reporting late payments that are inaccurate and unverifiable. I have no record of these alleged late payments, and the creditor has failed to provide proper documentation proving the delinquency. This damages my creditworthiness and must be corrected or removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment * * Law & Issue : FCRA 607 ( B ) Inaccurate reporting ; 611 Right to reinvestigation.

Story : This account shows a {$0.00} balance but is marked with late payments, which is contradictory and misleading. Without proof of delinquency, this entry must be removed.

INQUIRIES XXXX XXXXXX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : Unauthorized and must be deleted. 

XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : Inquiry was made without my consent. 

XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : No authorization was given for this inquiry.

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under the FCRA.

Company response to consumer: Closed with non-monetary relief