Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
To Whom It May Concern Consumer Financial Protection Bureau My credit file is being reported with false and unverifiable information in violation of FCRA 602 ( A ), 607 ( B ), and 611. Wrong addresses and an unauthorized inquiry are attached to my report even though I have no connection to them. These errors are causing harm, confusion, and mixed-file issues, and the bureau has not corrected them despite disputes. I am requesting full correction and deletion through this CFPB complaint.

ADDRESS XXXX XXXX XXXX, XXXX, NJ XXXX This address does not belong to me and appears due to a mixed file or identity-related error. Reporting a wrong address violates FCRA 602 ( A ) and 607 ( B ) because it creates an inaccurate consumer profile and falsely connects me to accounts and inquiries that do not belong to me. I am requesting its full deletion. 

XXXX XXXX XXXX, XXXX, NJ XXXX This address is not mine. Keeping inaccurate identifying information violates FCRA 602 ( A ) accuracy requirements and FCRA 611 reinvestigation standards because you failed to verify it properly. This must be removed immediately. 

ACCOUNTS XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  High Credit {$500.00} Reported Late Payment The late payment history is inaccurate because I have never made a late payment on this account. Reporting false payment information violates FCRA 602 ( A ) and 607 ( B ) because payment data must be complete and accurate. I am requesting correction of the payment history. 

XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  High Credit {$200.00} Reported Late Payment I have never paid late on this account, meaning your reporting violates FCRA 607 ( B ) and FCRA 611 because your investigation failed to verify the accuracy of the furnished information. Correct the payment history immediately. 

XXXX XXXX Open Date XX/XX/XXXXXXXX  High Credit {$0.00} Reported Late Payment This late payment reporting is inaccurate because I have never made a late payment. This violates FCRA 602 ( A ) and 607 ( B ). Correct the late payment history. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Reported Late Payment The late payment reporting is inaccurate and violates FCRA 607 ( B ) because I have never paid this account late. Correct the payment history. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  High Credit {$0.00} Reported Late Payment This late payment is inaccurate. I have never been late on this account. Under FCRA 602 ( A ) and 611, please correct the late payment history. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I have no knowledge of this account. Reporting a charge-off for an account I do not recognize violates FCRA 607 ( B ) and 611 because it was not verified with accurate records. Delete this account entirely. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This late payment is inaccurate because I have never been late. You failed to verify accurate records as required under FCRA 611. Correct the late payment history. 

XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  High Balance {$1300.00} Collection I have no knowledge of this collection account. Reporting it as mine violates FCRA 607 ( B ) because you did not ensure accuracy before reporting. This account must be removed. 



XXXX XXXX Open Date XX/XX/XXXX High Balance {$880.00} Charge Off I do not recognize this account. Reporting an unverified charge-off violates FCRA 611 and 602 ( A ). Delete this account. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  Balance {$82.00} Charge Off I have no knowledge of this account. Reporting this charge-off without complete verification violates FCRA 607 ( B ). Delete this account immediately. 

XXXX XXXX XX/XX/XXXXXXXX  Unauthorized inquiry. I did not give permissible purpose. Violates FCRA 604 ( a ). Remove. 

XXXX XX/XX/XXXX Unauthorized inquiry. No permissible purpose. Remove. 

XXXX XX/XX/XXXX Unauthorized inquiry. Remove immediately. 

XXXX XX/XX/XXXXXXXX  Unauthorized inquiry. Violates FCRA 604 ( a ). Remove. 

XXXX XX/XX/XXXXXXXX Unauthorized inquiry. Remove. 

XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Remove. 

XXXX XX/XX/XXXXXXXX  Unauthorized inquiry. Remove. 

These items are inaccurate and unverified and must be removed immediately. Under FCRA 602 ( A ) and 611, I am requesting that the CFPB enforce correction and deletion of all wrong addresses and the unauthorized inquiry listed above.

Company response to consumer: Closed with non-monetary relief