Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am filing this complaint because multiple items appearing on my credit reports are false, inaccurate, and unverifiable. These include incorrect addresses, accounts with false late payment or charge-off status, and an unauthorized hard inquiry. I have already submitted disputes to the credit bureaus but have not received any valid proof or correction. I am requesting the CFPB to conduct an investigation into these violations and hold the reporting agencies and furnishers accountable for the harm caused to my credit reputation and financial stability. 
WRONG ADDRESSES ( UNVERIFIED/ NOT ASSOCIATED WITH ME ) : XXXX XXXX XXXXXXXX, NY XXXX This address is completely inaccurate and I have never lived, worked, or received mail there. 

These addresses being reported without verification are a direct violation of FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. The presence of these false addresses suggests either a data mismatch or identity theft concerns. Please remove them immediately and confirm correction in writing. 
ACCOUNTS IN DISPUTE ( UNVERIFIABLE / INACCURATE REPORTING ) : XXXX XXXX Acct : XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$710000.00} | Late Payment This account is inaccurately reported as having late payments. I have never been late on any mortgage payment with this lender, and the record showing delinquency is false. Under FCRA 611 ( a ), you are required to verify all reported payment histories with actual evidence from the furnisher. If the creditor can not provide proof of late payment, you must immediately correct the account to show Pays as Agreed. 
XXXX XXXX XXXX : XX/XX/XXXX I did not authorize this hard inquiry. Any inquiry not initiated by me is a direct violation of FCRA 604 ( a ) ( 2 ), which prohibits obtaining a consumer report without a permissible purpose. This inquiry must be deleted immediately to prevent further damage to my credit score.

VIOLATIONS COMMITTED FCRA 607 ( b ) : Failure to maintain maximum accuracy of information ( wrong addresses and false accounts ).

FCRA 611 ( a ) : Failure to reinvestigate or verify disputed data within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate.

FDCPA 807 ( 8 ) : Misrepresenting false information in a consumer credit report.

FCRA 604 ( a ) ( 2 ) : Obtaining consumer report without authorization ( unauthorized inquiry ).

RELIEF REQUESTED I am requesting the Consumer Financial Protection Bureau ( CFPB ) to : 1. Investigate each of the above accounts, addresses, and inquiries.

2. Require all credit bureaus and furnishers to delete or correct all unverifiable or inaccurate information.

3. Ensure compliance with the FCRA and FDCPA to prevent further harm to my credit profile.

4. Provide a written confirmation from all reporting parties once corrections or deletions are made.

These false entries have caused me severe distress, loss of credit opportunities, and emotional hardship. I request immediate intervention by the CFPB to enforce compliance and restore the integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief