Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies on my credit report, including a wrong address and multiple account reporting errors. My correct address is XXXX XXXX, XXXX, CA XXXX. The reporting of this address by the credit reporting agencies violates my rights under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires maximum possible accuracy of information in my file. This incorrect address has caused confusion with lenders, unnecessary denials of credit, and potential fraudulent activity associated with my profile. The repeated inaccuracy demonstrates negligence and failure of reinvestigation obligations required under FCRA 1681i. 

XXXX XXXX * High Balance : {$2500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Late payments reported on this account are inaccurate and unverifiable, violating FCRA Sections 1681s-2 ( b ) and 1681i. I have repeatedly requested verification from the creditor but have received no documentation. Reporting unverifiable late payments misrepresents my payment history and damages my credit profile. These inaccuracies reduce my access to credit and inflate perceived risk. Each late payment must be fully verified or removed. Failure to remove unverified information is a violation of federal law. The bureau must conduct a full reinvestigation and provide written confirmation. The continued reporting of false information is misleading to lenders. My consumer rights are being violated by these errors. I insist on immediate deletion of all unverifiable late payments. The reporting pattern demonstrates negligence and disregard for FCRA compliance. Written proof of correction is required. Full reinvestigation must be documented. Timely resolution is legally mandated. 

XXXX XXXX High Balance : {$8000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Multiple late payments reported on this account are inaccurate and unverifiable, violating FCRA Sections 1681i and 1681s-2 ( b ). The creditor can not provide documentation to support these delinquencies. The inaccurate reporting misrepresents my payment behavior and harms my financial reputation. My creditworthiness is unfairly reduced. Reporting unverifiable late payments is unlawful and misleading to potential lenders. I demand deletion of all false entries and a complete reinvestigation. Written confirmation of corrections must be provided. The bureau and furnisher have a legal obligation to ensure accuracy. These repeated errors demonstrate negligence and potential liability under FCRA. The presence of these inaccuracies affects my credit decisions and opportunities. I insist on immediate correction and documentation proving compliance. The reporting must fully align with federal law. My rights under FCRA must be protected without delay. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$61000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Late payments on this account are false and unverifiable, violating FCRA Sections 1681s-2 ( b ) and 1681i. The creditor has failed to validate these entries despite my disputes. Misreporting my payment history negatively affects my credit profile and access to financing. Unverified negative data is misleading to lenders and unlawful under federal law. I demand deletion of all unverifiable late payments and full reinvestigation by the bureau. Written confirmation of corrections is required. Continuing to report inaccurate information exposes the furnisher and bureau to liability. These errors misrepresent my financial responsibility. Each reported late payment must be substantiated or removed. Reinvestigation must be thorough and documented. The negative impact on my creditworthiness is unlawful. XXXX corrective action is legally mandated. The bureau must confirm deletion in writing. Compliance with FCRA is required without exception. 

XXXX XX/XX/XXXX This inquiry was not authorized by me, violating FCRA Section 604 ( a ). Unauthorized inquiries misrepresent my credit activity and can reduce my credit score. Its presence is inaccurate and misleading to lenders. I demand immediate deletion and written confirmation of its removal. The bureau must conduct a full reinvestigation. Failure to remove unauthorized inquiries constitutes a direct violation of FCRA. Inclusion of this inquiry affects my creditworthiness and opportunities. The reporting is misleading and unlawful. I request documentation proving deletion. The bureau has a legal duty to correct this. Unauthorized reporting exposes the bureau to liability. Timely compliance is required. I insist on proof of deletion in writing. Removal must be completed without delay. Full reinvestigation must be documented. 

I request that CFPB XXXX and enforce the removal of these inaccuracies, ensure full reinvestigation of the disputed information, and confirm that all violations of the FCRA, including 1681e ( b ), 1681i, and 1681s-2 ( b ), are rectified immediately to prevent further harm to my financial standing. I expect written confirmation of corrections, removal of the unauthorized inquiry, and that all accounts accurately reflect my history.

Company response to consumer: Closed with explanation