Consumer complaint received 2025-10-17 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:
b'Dear CFPB,\nI am submitting this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items reported on my credit report, which have caused significant financial harm including denial of credit and other opportunities. These items violate my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. I request CFPBs intervention to ensure immediate investigation, correction, or removal of these items\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not my residence. Reporting this address falsely associates me with liabilities I have never incurred and may constitute identity misrepresentation\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect and unverifiable address; must be removed promptly to prevent further harm\nXXXX XXXX  Date Opened XXXX Balance Owed XXXX   Reported as Late Payment. I dispute this reporting. I have never made a late payment on this account. FCRA Section 611(a)(1)(A) requires that unverifiable or inaccurate reporting be corrected. I request correction of the accounts status to reflect timely payments\nXXXX XXXX Date Opened XXXX Balance Owed XXXX  Reported as Late Payment. I have no record of late payments on this account and dispute the accuracy of this reporting. Please investigate and correct\nXXXX XXXX Date Opened XXXX Balance Owed XXXX   Reported as Late Payment. I dispute this status as inaccurate and unverifiable. Immediate correction is required under FCRA 611\nXXXX XXXX XXXX  Date Opened XXXX  Balance Owed XXXX  Reported as Charge Off. I have no knowledge of this account and have never authorized its reporting. Under FCRA Section 609, any unverifiable debt must be removed. I demand complete deletion of this entry from my file\nXXXX XXXX  Date Opened 07/10/2010 Balance Owed XXXX   Reported as Late Payment. I have never missed any payments on this account and dispute this reporting. FCRA 611 mandates immediate correction\nXXXX XXXX  Date Opened XXXX  Balance Owed XXXX   Late Payment reporting is inaccurate and must be corrected\nXXXX XXXX  Date Opened XXXX Balance Owed XXXX  Reported Late Payment. This information is false; correction required\nXXXX XXXX  Date Opened XXXX Balance Owed XXXX  Late Payment reporting is false and unverifiable; correction demanded\nXXXX XXXX Date Opened XXXX Balance Owed XXXX  Reported as Charge Off. I have never incurred this debt. FCRA 609 requires deletion of unverifiable accounts. I demand immediate removal\nXXXX XXXX XXXX XXXX Date Opened XXXX Balance Owed XXXX   Reported as Collection. I dispute the validity and ownership of this debt and request complete removal under FCRA XXXX XXXX XXXX XXXX  Date Opened XXXX Balance Owed XXXX  Reported as Collection. I dispute the validity and ownership of this account. Immediate deletion is required under FCRA XXXX XXXX XXXX Date Opened XXXX Balance Owed XXXX   Reported as Collection. I dispute the validity of this debt as I have no association with it. Immediate removal is required under FCRA 611\nXXXX XXXX XXXX Date Opened XXXX Balance Owed XXXX  Reported as Collection. I have no knowledge of this account. Reporting of unverifiable information violates FCRA 611 and must be corrected immediately\nXXXX XXXX Date Opened XXXX Balance Owed XXXX   Reported as Collection. I dispute this account and request immediate deletion as I have no association with this debt\nXXXX XXXX Date Opened XXXX Balance Owed XXXX   Reported as Collection. I dispute this account and demand deletion due to unverifiable reporting\nXXXX XXXXXXXX Date Opened XXXX Balance Owed XXXX   Reported as Collection. I have never incurred this debt. FCRA mandates removal of unverifiable accounts; immediate correction is requested\nXXXX XXXX  Hard inquiry appears on my credit report without consent. FCRA mandates deletion of unauthorized inquiries\nXXXX XXXX   Inquiry reported without my authorization. Immediate removal required under FCRA 604\nXXXX XXXX   I did not authorize this hard inquiry. Immediate deletion required under FCRA 604\nThe repeated reporting of inaccurate addresses, unverifiable late payments, charge-offs, collections, and unauthorized inquiries is causing substantial harm including denial of credit and other financial opportunities. These violations contravene FCRA Sections 602, 607(b), 608(a), 609, and 611. I request the CFPB to ensure all items are investigated, corrected, or deleted as appropriate and provide me with written confirmation of action taken'

Company response to consumer: Closed with non-monetary relief