Consumer complaint received 2025-09-01 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: OH

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA 1681e ( b ) Maximum possible accuracy required Issue : This address is not mine and has never been associated with me. Its inclusion misrepresents my identity. 
Story : Reporting this address falsely suggests I have residency history I do not, causing confusion with lenders and landlords. This false reporting has delayed my loan applications, created verification problems, and put me at risk for identity fraud. It is essential that this incorrect address be removed immediately. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Law : FCRA 1681e ( b ) Maximum possible accuracy required Issue : This address is not associated with me and has never been my residence. 
Story : Its inclusion on my credit file misrepresents my residency history and creates confusion during credit checks, loan applications, and identity verification. Lenders or landlords may assume I have lived here, which is false, leading to potential denial of services or misinterpretation of my personal history. Reporting this incorrect address also increases the risk of identity theft and further misrepresentation of my credit record. Immediate removal is required to ensure the accuracy and integrity of my credit report. 

Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA 1681e ( b ) Accuracy of reported information Issue : This address is not connected to me and is incorrect. 
Story : Its presence on my credit report has led to repeated questions during credit checks, negatively impacting my credibility with financial institutions. The false address suggests a residency history I never had, causing misrepresentation of my personal data. Immediate deletion is required to restore accuracy. 

Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA 1681i Right to reinvestigation of disputed items Issue : This address is being wrongly associated with my credit file. 
Story : The false reporting has caused confusion during employment verification and when applying for credit. Lenders may assume mixed credit files or fraudulent activity. Its continued reporting is damaging to my financial reputation and must be corrected. 

Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA 1681e ( b ) Obligation for accurate reporting Issue : This address has never been linked to me. 
Story : Reporting this address inaccurately creates the impression of multiple residences I have never had, impacting credit applications and housing verification. The false record has caused unnecessary stress and delays, and must be deleted. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law : FCRA 1681i Investigation required for disputed items Issue : This address is inaccurate and unverifiable. 
Story : Its reporting is causing confusion and may appear as fraudulent activity to creditors. The false address undermines my ability to establish a correct credit history. Immediate removal is necessary. 

Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA 1681e ( b ) Maximum possible accuracy required Issue : This address is not associated with me. 
Story : Reporting this incorrect address misrepresents my personal history and has caused multiple verification problems with lenders. It affects my creditworthiness and must be corrected. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law : FCRA 1681i Right to reinvestigation Issue : This is a false address. 
Story : Its presence has caused verification delays and confusion with lenders and credit reporting agencies. It misrepresents my identity and creates potential issues with loans or employment. Removal is necessary. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

Company response to consumer: Closed with non-monetary relief