Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unverifiable items being reported on my credit reports by various furnishers and credit bureaus. These errors are causing significant harm to my creditworthiness, financial stability, and personal credibility. I am requesting a full CFPB investigation and enforcement action to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX. Incorrect Addresses Reported ( Not Mine ) The following addresses listed on my credit file are completely inaccurate. I have no connection, residency, or association with these locations : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Wrong Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Wrong Address XXXX XXXX XXXX, XXXX, CA XXXX Wrong Address These addresses are being reported without my authorization or verification, violating FCRA 604 and 609. I am requesting immediate removal of these inaccurate addresses. 

XXXX. Inaccurate Late Payment Reporting ( I Never Made Any Late Payments ) The following accounts are reporting late payments, but this information is false and factually inaccurate. 
I have never made late payments on these accounts. The payment history is incorrect and must be corrected, not deleted : XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported Late Payment ( Incorrect ) XXXX XXXXXXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Reported Late Payment ( Incorrect ) XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Reported Late Payment ( Incorrect ) XXXX XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Reported Late Payment ( Incorrect ) XXXX XXXX XXXX  XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX Reported Late Payment ( Incorrect ) XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Reported Late Payment ( Incorrect ) XXXX XXXXXXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Reported Late Payment ( Incorrect ) XXXX XXXXXXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Reported Late Payment ( Incorrect ) These furnishers are violating : FCRA 602 ( A ) ( accuracy requirement ) FCRA 607 ( B ) ( maximum possible accuracy ) FCRA 611 ( duty to correct inaccurate information ) I respectfully request that CFPB require the furnishers and bureaus to update and correct all payment histories to reflect accurate, on-time payments. 

XXXX. Collection/Charge-Off Accounts I Have No Knowledge Of ( Requesting Deletion ) The following account is being reported as a collection, but I have no knowledge of this account, did not authorize it, and can not verify its validity : XXXX XXXX XXXX High Balance : {$290.00} Date Opened : XX/XX/XXXX Collection ( Not Mine ) This is a violation of : FCRA 609 ( right to receive information that creditors used ) FCRA 611 ( reporting unverifiable information ) FCRA 623 ( a ) ( 1 ) ( furnishers can not report information they know or should know is inaccurate ) I am requesting immediate deletion of this account from all credit bureaus. 

Requested Actions by CFPB I respectfully request that the CFPB : Launch a full investigation into these inaccurate items. 

Compel the furnishers and credit bureaus to correct or remove the disputed items. 

Wrong addresses Remove Late payment accounts Correct inaccurate payment history Unknown collection accounts Delete immediately Require the furnishers to provide verifiable documentation, not automated responses. 

Ensure full compliance with all FCRA provisions. 

Conclusion These errors are causing ongoing and substantial harm. I am requesting your prompt assistance in enforcing my rights under federal law and ensuring that all information reported about me is accurate, verifiable, and compliant with FCRA standards. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation