Consumer complaint received 2025-08-10 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: ME

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate addresses, erroneous account reporting, and unauthorized credit inquiries on my credit reports, which are causing severe harm to my credit reputation and financial well-being. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Each disputed item is listed below with the issue, applicable law, and a detailed explanation.

ADDRESSES WRONG ADDRESS REPORTINGS XXXX XXXX XXXX XXXX XXXX Issue : Wrong address not associated with me.

Law : FCRA 604 requires accurate identification information.

Story : This address is completely unrelated to my residence history or identity. Its presence on my report causes identity confusion, risks identity theft, and misleads creditors evaluating my creditworthiness. Such misinformation is unacceptable and must be removed to preserve the integrity of my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Invalid address information reported.

Law : FCRA 604 and 611 require verification and accuracy.

Story : This address is neither part of my residential history nor linked via any utility or legal documentation. Its inclusion erodes trust in credit reporting and must be corrected by deleting it from my file. 

ACCOUNTS LATE PAYMENTS & COLLECTIONS INACCURATE OR UNVERIFIABLE XXXX XXXX  High Balance : {$280.00} | Date Opened : XX/XX/XXXX Issue : Inaccurate late payment reported. 
Law : FCRA 609 ( a ) ( 1 ) requires furnishing of accurate and verifiable data.

Story : The reported late payment lacks supporting evidence and contractual verification. Without clear documentation from the creditor, this negative mark is misleading and must be corrected or deleted. 

XXXX XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX Issue : False delinquency claim. 
Law : FCRA 616 penalizes willful violations for inaccurate reporting.

Story : The creditor has failed to provide certified records substantiating the late payment. Continuation of this error violates my rights and unjustly damages my creditworthiness. 

XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX Issue : Disputed payment history accuracy. 
Law : FCRA 1681e ( b ) mandates maximum possible accuracy.

Story : This account misrepresents my payment behavior, harming my financial reputation. Accurate reflection of payment history is critical and this misinformation should be reexamined and rectified. 

XXXX XXXX High Balance : {$450.00} | Date Opened : XX/XX/XXXX Issue : Late payment unverified.

Law : FCRA 611 ( a ) ( 5 ) requires removal of unverifiable data.

Story : The creditors failure to present admissible evidence supporting delinquency necessitates deletion of this negative information. 

XXXX XXXX XXXX XXXXXXXX High Balance : {$3900.00} | Date Opened : XX/XX/XXXX Issue : Lack of original creditor payment documentation.

Law : FCRA 609 obligations are unmet.

Story : No signed agreement or payment proof exists confirming the reported late payments. This accounts negative notation is unsubstantiated and must be removed immediately. 

XXXX XXXX XXXX High Balance : {$13000.00} | Date Opened : XX/XX/XXXX Issue : Disputed delinquency.

Law : FCRA 609 ( a ) ( 1 ) disclosure rights.

Story : The alleged late payment contradicts my records. Without valid documentation, this inaccurate report undermines my credit standing unlawfully. 

XXXX XXXX High Balance : {$970.00} | Date Opened : XX/XX/XXXX Issue : Unlawful debt collection representation. 
Law : FDCPA 807 prohibits false representation of debt validity.

Story : This collection account lacks any original creditor verification or signed contract. Such false claims are prohibited and must be deleted to protect consumers from deceptive debt collection practices. 

HARD INQUIRIES UNAUTHORIZED & INVALID XXXX XXXXXX/XX/XXXX ( 1st and 2nd entry ) Issue : No permissible purpose or authorization for inquiry.

Law : FCRA 604 ( a ) ( 3 ) requires permissible purpose for credit inquiries.

Story : Both inquiries were made without my consent or any legitimate business transaction. This double inquiry constitutes negligent reporting and increases the risk of identity fraud. 

XXXX XX/XX/XXXX Issue : No initiated business transaction.

Law : FCRA 604.

Story : Unauthorized hard inquiries must be removed to maintain credit accuracy. 

XXXX XX/XX/XXXX Issue : Duplicate unauthorized inquiry. 
Law : FCRA 604.

Story : Such duplicates compound harm from unauthorized access.

Requested Action : I demand that the CFPB require the credit bureaus and furnishers to : 1. Immediately delete all inaccurate addresses.

2. Remove all late payment notations that are unverified or incorrect.

3. Delete all collection accounts that can not be validated.

4. Remove all unauthorized inquiries that lack a permissible purpose.

5. Provide me with written confirmation of each deletion and correction.

Failure to correct and delete these items constitutes a willful violation of my rights under the FCRA and FDCPA, for which I reserve the right to seek all available remedies including statutory damages, actual damages, attorneys fees, and punitive damages.

Company response to consumer: Closed with non-monetary relief