Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding multiple inaccurate items being reported on my credit report by the credit bureaus and furnishers, which are causing unjust harm to my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ).

Wrong Addresses Reported I am not associated with and have never resided at the following addresses, yet they continue to appear on my credit reports across various bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not mine, and I have submitted prior disputes to the bureaus to have them removed. Despite this, they remain on my report. The continued reporting of incorrect personal information violates : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

FCRA 611 15 U.S.C. 1681i : Failure to investigate and delete inaccurate information after a dispute. 
Inaccurate and Harmful Account Reporting XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o High Balance : {$590.00} o Issue : Reporting of late payments that I do not acknowledge and believe to be in error. I requested validation of this reporting but have received no supporting documentation.

o Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information.

FCRA 611 Bureaus are required to investigate disputed items within 30 days and correct/remove any unverifiable data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o High Balance : {$1900.00} o Issue : This account shows multiple late payments, which I dispute. I requested validation and documentation of the payment history, but none was provided.

o Law Violated : FCRA 623 ( a ) ( 1 ) ( B ) Duty to correct and update information.

FCRA 611 Right to dispute and demand reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o High Balance : {$2800.00} o Issue : The account reflects late payments that are not valid. These entries appear inconsistent and unverified. 
o Law Violated : FCRA 623 ( b ) Upon notice of dispute from the bureau, the furnisher must investigate and report back.

FCRA 611 ( a ) ( 5 ) Unverified or inaccurate information must be deleted.

Background & Summary Despite initiating prior disputes, the credit bureaus and furnishers have continued to report inaccurate data without conducting a reasonable investigation. This violates my rights under the Fair Credit Reporting Act, causing damage to my credit profile and mental stress. I have not yet submitted an FTC Identity Theft Report but may consider doing so based on CFPB findings.

Requested Resolution I respectfully request that the CFPB : 1. Investigate each of the accounts and addresses listed above. 
XXXX. Instruct the credit reporting agencies ( Equifax, Experian, and TransUnion ) to remove the incorrect addresses from my file. 
XXXX. Demand validation of the alleged late payments. If the furnishers can not provide full documentation ( payment records, statements, signed contracts ), the accounts must be corrected or removed. 
XXXX. Hold the furnishers accountable for failure to comply with FCRA responsibilities. 
Thank you for your attention to this matter. I look forward to your timely resolution and protection of my consumer rights.

Company response to consumer: Closed with explanation