Consumer complaint received 2025-09-24 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 filing this complaint with the Consumer Financial Protection Bureau because my credit report contains serious inaccuracies that are harming my creditworthiness and ability to obtain fair credit. I am requesting CFPB assistance to ensure the credit bureaus and furnishers follow the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by investigating and correcting or deleting these items. These errors are causing me financial harm, emotional distress, and are a direct violation of my rights under federal law. 

XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Address This address is also inaccurate and must be removed immediately. I have never lived at this location, never opened accounts from this address, and never authorized its inclusion in my file. Its continued reporting violates FCRA 602 ( A ) because it creates an unfair and inaccurate representation of my personal history. It also violates FCRA 607 ( B ) since the address is neither complete nor accurate. A proper reinvestigation under FCRA 611 would reveal there is no lease, utility bill, or government-issued document connecting me to this address. Your failure to delete it shows a lack of reasonable procedures to assure maximum accuracy. Each day this remains on my credit report is another day I risk being linked to accounts that are not mine, and my file remains incomplete and misleading. The damage to my reputation is real creditors might assume instability or fraud risk based on addresses that do not belong to me. You are required to ensure my consumer file is truthful and current. I demand permanent deletion of this address and a copy of my updated credit report showing this correction. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX  This account is being reported with late payment history that is false and can not be verified with complete documentation. I have disputed this before, and the late payment still appears, which violates my rights under FCRA 611 because the reinvestigation was clearly not reasonable. If the furnisher can not produce a signed contract, full payment history, and exact date of delinquency verified by primary source records, then this late payment must be deleted. Reporting negative payment history without certified proof is negligent and causes harm to my creditworthiness. Each inaccurate late payment can reduce my credit score and increase the cost of loans, insurance, and housing. FCRA 607 ( B ) requires that only information with maximum possible accuracy be reported, and unverifiable negative data fails that requirement. By continuing to report this, you are willfully harming my financial reputation and violating my right to a fair and accurate credit file. I demand that this late payment be permanently deleted from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50000.00} Late Payment XXXX XXXX This student loan account is reporting late payments that are incorrect and harmful to my credit. If I was in deferment, forbearance, or under any administrative pause, late payments should not have been reported at all under federal student loan regulations and FCRA 607 ( B ). You are required to verify the accuracy of this reporting with complete documentation, including billing statements, account status records, and proof of delinquency dates. A failure to obtain this documentation and still reporting the late payment violates FCRA 611s reinvestigation standards. This negative information is causing severe financial harm, including denial of credit, higher interest rates, and loss of housing opportunities. Leaving this on my report without complete verification is reckless disregard for the truth and may be considered willful noncompliance under FCRA 616. If you can not provide full verification, you must delete the late payment history and update the account to a positive standing. 

I am requesting that CFPB ensure that the credit bureaus and furnishers conduct a full reinvestigation under FCRA 611, provide me with the results, and delete any information that can not be verified with original, documented proof. The continued reporting of wrong addresses, false late payments, and unauthorized inquiries is a violation of my rights and is causing me measurable harm. I am asking the CFPB to intervene and hold the credit bureaus and furnishers accountable for compliance with federal law and to ensure my credit report is corrected immediately.

Company response to consumer: Closed with explanation