Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
I am filing this complaint with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This third variation of the same wrong address clearly illustrates negligent reporting. Each time this address appears in a slightly different form, it creates duplicate inaccuracies that further damage my credit file. Not only is this misleading, but it also violates the requirement that consumer files contain only precise and verifiable data. Multiple false variations of a wrong address are an indication of sloppy data handling and failure to ensure accuracy as required under the FCRA. I have disputed this before, and since you failed to delete it, I now demand permanent removal with proof of correction. 

Accounts XXXX XXXX XXXX  High Balance {$570.00} Opened XX/XX/XXXX Late Payment This account is being reported with late payment history that is not true. I have never received proper validation from the creditor proving this alleged delinquency. Each time your bureau verifies this without furnishing actual documents, you fail your duty under Section 1681i of the FCRA to conduct a reasonable reinvestigation. False late payments unfairly lower my credit score, making it harder for me to qualify for fair lending, housing, and insurance opportunities. Reporting agencies must not continue to report disputed items without concrete evidence from the original furnisher. Since this account remains unverifiable, it must be deleted to restore accuracy and fairness to my credit file. 

XXXX XXXX XXXX High Balance {$1900.00} Opened XX/XX/XXXX Late Payment This tradeline reflects late payments that are inaccurate and harmful. I have already disputed this multiple times, yet it continues to appear with no supporting evidence provided. The FCRA clearly requires that disputed items be either verified with documented proof or deleted if unverifiable. Instead, your bureau appears to be parroting information from the furnisher without conducting a thorough investigation. This is not a lawful reinvestigation. False reporting such as this impacts my financial opportunities by lowering my creditworthiness and may also suggest fraudulent activity to lenders. If you can not provide verifiable documentation from XXXX, this account must be permanently deleted. 

XXXX XXXXXXXX XXXX  High Balance {$720.00} Opened XX/XX/XXXX Late Payment This accounts payment history is being reported inaccurately. I have asked for validation, but none has been provided. Reinvestigations must include proof from the furnisher, not just automated confirmation. By continuing to report unverifiable derogatory marks, you are in violation of Section 1681i. These false reports lower my credit score, limit my ability to qualify for housing, and cause unnecessary harm. Since you have not provided proof, this account must be deleted from my credit file. 

XXXX XXXX XXXX XXXX XXXX High Balance {$4800.00} Opened XX/XX/XXXX Charge Off This charge-off is being reported inaccurately. A charge-off should only appear if it has been properly documented by the original creditor. To date, you have failed to provide such proof. By continuing to list this derogatory item without supporting evidence, you are engaging in negligent and willful noncompliance with the FCRA. A charge-off is XXXX of the most damaging items that can appear on a credit report, and keeping it without verification is unlawful. I demand permanent deletion unless full documentation is provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$0.00} Balance Charge Off * * This account shows a charge-off status while also reporting a XXXX balance. This is contradictory and misleading. If the balance is XXXX, then there should be no charge-off listed. By reporting both, you are misrepresenting the accounts status and creating the false impression of continued delinquency. This violates Section 1681e ( b ) of the FCRA requiring accuracy and fairness. If no verifiable proof exists from the creditor, this account must be deleted immediately. 

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

Company response to consumer: Closed with non-monetary relief