Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
Dear CFPB, I am filing this complaint because my credit report contains serious inaccuracies that are harming my financial reputation. I have disputed these items with the credit bureaus and the furnishers of information, yet they remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), Section 602 ( A ) and 611 ( 15 U.S.C. 1681i, 1681s-2 ), I have the right to accurate, fair, and fully verified reporting. Below are the specific accounts and inquiries I dispute : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Wrong Address I have never lived, worked, or had any affiliation with this address. Its presence on my credit report suggests either identity confusion or a mixed file error. This has raised red flags when lenders review my history, making it appear as though I have connections in New York when in reality I have never resided there. Under FCRA 1681e ( b ), the bureau is required to ensure maximum possible accuracy. Reporting an address that does not belong to me not only violates that law but creates the false impression of instability in my residence history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address I have no connection to this residence. Including it on my credit report links me to people and activity that are not mine. This damages my credit reputation and raises concerns about fraud. Having an XXXX address tied to me when I never lived there makes lenders question my identity. I demand its deletion under FCRA 1681i. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Wrong Address This is another false address attached to my profile. I never rented, owned, or stayed at this location. Its continued presence implies negligence in how my data is handled. When creditors or employers review this information, it casts doubt on my reliability, which is unfair and harmful. Under FCRA 1681c, only accurate, complete, and verifiable information can remain. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address This address is completely unrelated to me. I have no personal, professional, or financial connection to it. Yet its presence suggests that I have multiple addresses in XXXX, which is false and misleading. This false reporting makes it seem like I have moved around excessively, which harms my credibility and financial standing. The FCRA clearly prohibits such inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Wrong Address This is yet another false XXXX address that does not belong to me. Having multiple incorrect addresses reported in the same area creates the appearance of fraud or misuse of my identity. Lenders, landlords, and employers reviewing my credit history could unfairly assume I am hiding something, when in truth the problem is inaccurate reporting. This violates my right to accurate information under FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Wrong Address I never lived here and have no ties to this location. The presence of this address is harmful because it suggests I may have opened accounts or engaged in financial activities in Georgia, which is untrue. This damages my reputation and violates FCRA 1681e ( b ), which requires bureaus to ensure accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Wrong Address This incorrect address must be deleted immediately. I never lived here, and it has nothing to do with my personal history. False addresses not only harm my credit file but may also connect me to individuals I do not know, creating further risks of fraud and misidentification. 
DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$940.00} Late Payment I dispute the late payment history being reported. At no time did I make payments late on this account. The reporting of late payments is false and damaging. Because of this error, I have been denied credit and unfairly judged as irresponsible. The FCRA 1681s-2 requires furnishers of information to only report accurate data, and this clearly violates that standard. I demand the late payments be removed and the history corrected to show on-time payments. 
DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1800.00} Late Payment This account is also misreported with late payments that never occurred. These errors hurt my ability to refinance loans and apply for credit. Having false late payments reported makes it seem as though I failed to honor my obligations, which is untrue. Under the Fair Credit Billing Act ( FCBA ), consumers are protected from billing errors, and misreporting of account history falls under this protection. This must be corrected. 
DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Late Payment The claim of late payments on this account is inaccurate and unverifiable. These false reports damage my credit score, increase my cost of borrowing, and unfairly paint me as financially irresponsible. I request a full reinvestigation, and if the furnisher can not prove these late payments with proper records, they must be deleted immediately as required under FCRA 611. 
DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$5000.00} Late Payment This account is reported with false late payments as well. Such misreporting is extremely damaging to me because student loans play a major role in credit history evaluation. Showing late payments that never happened lowers my score, makes me appear unreliable, and denies me fair access to credit. I demand correction under FCRA and removal of any unverifiable entries. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1900.00} Collection I dispute this account entirely. I have no knowledge of this alleged collection, never received any bills, notices, or validation of debt from XXXX XXXX XXXX. Reporting an unverified collection is damaging to my credit and violates the Fair Debt Collection Practices Act ( FDCPA ) 809, which requires proper validation of debts. Since no validation was provided to me, this collection is inaccurate and must be deleted immediately. 
XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Charge Off This charge-off is reported inaccurately. I have no recollection of ever having this account. A {$0.00} balance account being reported as a charge-off is contradictory, misleading, and harmful. It suggests delinquency where none exists. Under FCRA, furnishers may not report false or misleading information. If XXXX XXXX  can not verify this debt with proper records, it must be deleted. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Charge Off I have no knowledge of this alleged XXXX XXXX account. No contract, billing statements, or original signed application has ever been presented to me. Reporting this as a charge-off with a {$0.00} balance makes no logical sense and unfairly lowers my credit score. This violates FCRA 1681s-2 ( a ), which requires furnishers to report only accurate and complete information. I dispute this item and demand its removal. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$10000.00} Charge Off I dispute this account completely. I never had a financial relationship with XXXX XXXX XXXX, and I deny knowledge of this debt. This may be a case of mistaken identity or mixed-file reporting. If the furnisher can not produce original documents such as the loan agreement, payment history, and signed application, then this account must be deleted as unverified under FCRA 611. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Charge Off I strongly dispute this account. I never opened or authorized a XXXX XXXX account under this number. I have not received any billing statements or notices proving the existence of this debt. Reporting this account without proper verification is unlawful and must be deleted. FCRA and FDCPA both require that only valid debts with proof be reported. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1900.00} Charge Off I dispute this account. I do not recognize it and deny ever opening it. Reporting multiple versions of the same XXXX XXXX XXXX XXXX charge-off is a violation of FCRA 1681e ( b ), because it creates duplicate derogatory entries that unfairly damage my credit. This item must be deleted unless the furnisher can provide complete and original proof of the account. 
XXXX XXXX XXXX XXXX Date Opened : XXXXXX/XX/XXXX Balance : {$500.00} Collection I dispute this collection account. I have no knowledge of owing XXXX XXXX XXXX any money, nor have I received proper validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 809, debt collectors must provide validation upon request. Since no validation has been provided, this reporting is unlawful and must be deleted. 
XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX  I dispute this inquiry as well. I did not authorize it. This is damaging, misleading, and unlawful under FCRA 604. It must be deleted. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute this inquiry as unauthorized. I never gave permission for XXXX XXXX XXXX to access my credit file. This is harmful to my score and misleading. It must be deleted immediately. 
Relief Requested : 1. Immediate reinvestigation of all listed accounts and inquiries.

2. Deletion of unverifiable, inaccurate, or unauthorized accounts/inquiries.

3. Written confirmation of corrective actions taken
. 
I respectfully request CFPBs urgent intervention, as my consumer rights under the FCRA and FDCPA are being violated.

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief