Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
b'I am filing this formal complaint with the Consumer Financial Protection Bureau (CFPB) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). I have outlined each disputed account below with supporting facts and applicable legal violations.XXXX XXXX XXXX XXXX XXXX XXXXnLaw/Issue: FCRA  607(b) requires data accuracy. I have never lived or received mail at this address, making this report incorrect.\nStory: This address does not belong to me and its presence suggests identity confusion or mixed file. It misrepresents my residence history and impacts account matching and verificationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLaw/Issue: This address is inaccurate and violates FCRAs accuracy mandate under  607(b).\nStory: I have no ties to this residence. This erroneous entry contributes to misidentification on my credit file and must be removedXXXX XXXX XXXX Date Opened: XXXX  Balance OwedXXXX XXXXnLaw/Issue: The late payment conflicts with actual payment history; violates FCRA  607(b).\nStory: I fulfilled all obligations as agreed. Please investigate the source and timing of this misreporting.\n\nXXXX XXXX XXXX  Date Opened: XXXX Balance Owed: XXXX\nLaw/Issue: FCRA  611 permits dispute of any unverifiable negative item.\nStory: This payment was never late; the delinquency is being incorrectly reported and negatively affects my record.XXXX XXXX XXXX  Date Opened: XXXX Balance Owed: XXXX\nLaw/Issue: Chargeoff reporting must be 100% accurate and verifiable. FCRA  607(b).\nStory: This account was closed with a payment arrangement, not charged off. Reporting is unjust and misleading.\n\XXXX XXXX XXXX  Date Opened: XXXX Balance Owed: XXXXLaw/Issue: Late payment report on a XXXX-balance account raises questions under FCRA  611.\nStory: How can a late payment be reported when the balance is zero? This is either outdated or false and needs removal.\n\XXXX XXXX Date Opened: XXXX  Balance Owed: XXXXnLaw/Issue: Any late payment must be proven with clear records per FCRA  611(a)(1)(A).\nStory: I was never notified of a delinquency nor was I late. The credit bureau must confirm its validity or delete the item.XXXX XXXX  Date Opened: XXXX Balance Owed: XXXXnLaw/Issue: Account showing XXXX balance yet reported with late history breaches accuracy rules under  607(b).\nStory: This is inaccurate and should be marked Paid as agreed or removed.\n\nXXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX\nLaw/Issue: Charged off while showing no amount due is against FCRA  611.\nStory: This should reflect a paid status, not a chargeoff, especially with XXXX balance. This is damaging and inaccurateXXXX XXXX XXXXnLaw/Issue: Violates FCRA  604(a)(3) if no credit application was initiated.\nStory: I never gave consent to XXXX XXXX for a hard inquiry. This harms my credit profile.\XXXX XXXXnLaw/Issue: Hard inquiry recorded without consent. FCRA  604 violation.\nStory: I never initiated contact with XXXX. This pull is unauthorized.\n\nXXXX XXXXnLaw/Issue: Inquiry violates FCRA  604 if no authorization was given.\nStory: No such permission was granted and I am not involved with this lender.\n\nXXXX XXXXLaw/Issue: FCRA violation for repeated unauthorized pull.\nStory: No transaction exists with this entity. Please investigate and delete.\n\nXXXX XXXX\nLaw/Issue: Duplicate unauthorized inquiry.\nStory: I never worked with them. This inquiry violates my rights.\n\nXXXX XXXX XXXX\nLaw/Issue: Redundant unauthorized inquiry.\nStory: Another pull without purpose or consent. Must be removed.\n\nThese accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.'

Company response to consumer: Closed with non-monetary relief