Consumer complaint received 2025-07-19 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 submitting this CFPB complaint against Equifax for failure to correct and remove multiple inaccurate, unverifiable, and legally non-compliant items that I have previously disputed through multiple rounds. This is now my XXXX round of disputes for the same unresolved and harmful entries. Equifax continues to report false late payments, obsolete accounts, incorrect addresses, and unauthorized inquiries without conducting proper reinvestigations as required under the Fair Credit Reporting Act ( FCRA ). Below is a list of disputed items with supporting facts and laws. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address Issue : Not my address Law : FCRA XXXX ( b ) Story : I have never lived at or been associated with this address. Its presence on my report indicates a mixed file error or identity confusion and must be removed immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Wrong Address Issue : Incorrect personal information Law : FCRA XXXX Story : This address is not and has never been mine. Its presence on my report violates the requirement to maintain accurate identifying information and must be deleted. 

XXXX XXXX # XXXX * * Date Opened : XX/XX/XXXX Balance : {$3600.00} Late Payments * * Issue : Late payment during forbearance Law : CARES Act XXXX, FCRA XXXX Story : This account was under XXXX administrative forbearance. No payment was due, yet it was reported as late. This violates both federal law and credit reporting requirements. 

XXXX XXXX # XXXX * * Date Opened : XX/XX/XXXX Balance : {$4400.00} Late Payments * * Issue : False delinquency Law : FCRA XXXX ( b ) Story : This loan was suspended during the pandemic, and no payment was missed. Late marks are false and damaging. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$4200.00} Late Payments * * Issue : Inaccurate derogatory reporting Law : FCRA XXXX ( b ) Story : I was not required to pay this account during the protected period. The current reporting is misleading and must be corrected. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Late Payments * * Issue : False late mark Law : FCRA XXXX Story : This account was never delinquent. It was under federal payment suspension, and yet Equifax marked it as late. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$4400.00} Late Payments * * Issue : Unjustified late reporting Law : FCRA XXXX ( b ) Story : This loan was in forbearance. No payment was due, but Equifax is showing negative marks, violating federal protections. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$2700.00} Late Payments * * Issue : Erroneous late payment Law : FCRA XXXX Story : I have disputed this multiple times. No documentation has ever been provided. Reporting continues without legal basis. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$4300.00} Late Payments * * XXXX  XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$3400.00} Late Payments * * XXXX XXXXXXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Late Payments * * XXXX XXXXXXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$3600.00} Late Payments * * XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$2700.00} Late Payments * * Issue : Newly reported delinquency Law : FCRA XXXX ( b ), XXXX Story : These are newly added accounts with no actual delinquencies. No payments were missed, yet Equifax is reporting them as late without verification. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * XXXX  XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * Issue : Obsolete accounts showing negative marks Law : FCRA XXXX ( a ) ( XXXX ) Story : These student loan accounts are over XXXX years old and show {$0.00} balance. Reporting old late payments violates FCRAs time-limit restrictions and misrepresents my current creditworthiness. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$4700.00} Charge Off * * Issue : Charge-off not validated Law : FCRA XXXX ( b ), FDCPA XXXX Story : I have requested validation for this charge-off and never received it. Equifax continues reporting it in violation of my rights. This must be removed. 

XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry Law : FCRA XXXX ( a ) ( XXXX ) Story : I did not authorize or apply for credit with XXXX XXXXXXXX on this date. This inquiry lacks permissible purpose and must be removed immediately.

Company response to consumer: Closed with non-monetary relief