Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA Section 609 and Section 611 grant me the right to request verification of disputed accounts. If the account can not be verified, it must be deleted.

Issue : This account is reporting late payments even though the balance is {$0.00} and closed, which makes the reporting inaccurate and misleading.

Story : Since this account shows no active balance or obligation, reporting late payments on it is unreasonable and harmful. A closed, {$0.00} account should not carry negative history that continues to weigh down my creditworthiness. This misleading reporting makes it appear as if I failed to meet my obligations when in fact I satisfied the account. This directly affects my ability to secure credit, employment opportunities, and fair housing. Unless full documentation proving the accuracy of these late payments is provided, this negative history must be deleted. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Late Payment * * Law : FCRA Section 607 ( b ) and Section 611 require accuracy and proper verification of information.

Issue : This account is reporting late payments, but I dispute the accuracy of these entries. 
Story : I have no verified proof that the payments were late as claimed. I requested validation previously, but no proper documentation was provided. Continuing to report unverifiable late payments damages my credit score and portrays me as financially irresponsible, which is not true. This inaccurate reporting has already affected my chances with lenders and may also impact job opportunities, since many employers review credit reports. Without verifiable proof from the furnisher, these lates must be deleted.

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

Company response to consumer: Closed with non-monetary relief