Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because the credit bureaus and furnishers listed below have reported false, inaccurate, and unverified information on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, including 1681e ( b ) for accuracy requirements, 1681i for reinvestigation duties, and 604 ( a ) ( 2 ) regarding permissible purpose for credit pulls.

I have attempted to dispute these inaccuracies with the credit bureaus but they continue to verify false entries without providing documentation. This is causing serious damage to my creditworthiness, financial opportunities, emotional distress, and ongoing harm. I am requesting the CFPB to investigate these companies and require immediate correction or deletion of the following items : XXXX XXXX XXXX XXXX, NJ XXXX WRONG ADDRESS This address does not belong to me. I never resided here, never used it on any applications, and it is harming my file. Remove immediately. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} LATE PAYMENT This late payment is completely false and inaccurate. I never paid late and there is no verified evidence proving I did. This is harming my payment history and violating FCRA 1681e ( b ). I demand correction to Paid As Agreed / Never Late, because the reporting is factually wrong and unverified. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$29.00} LATE PAYMENT I never made a late payment on this account. This is a factual inaccuracy that has caused damage to my score. Unless you can provide legally valid proof with timestamps and verified records, you must correct this reporting immediately. 
XXXX XXXX  XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} LATE PAYMENT This late payment is inaccurately reported. I always made payments on time and there is no proof showing otherwise. Under FCRA you can not report unverifiable information. Correct the pay history to reflect on-time payments. 
XXXXXXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT This late payment is false, inaccurate, and unverified. I never paid late and there is no documentation to support this claim. You are reporting an incorrect derogatory history without proof. Under FCRA 1681e ( b ) and 1681i, any unverifiable or inaccurate information must be corrected or removed. I demand this payment history be updated to reflect Never Late/ Paid As Agreed. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} CHARGE OFF I have no knowledge of this charge off and no recollection of owing this balance. There is no contract, signature, or proof tying me to this account. If you can not provide full itemized statements, original signed agreements, and full chain of custody of the debt, then this charge off is unverified. Under the FCRA, any account that can not be verified must be deleted immediately. 
These inaccurate, unauthorized, and unverified items are causing harm, increasing my credit denials, and violating key federal consumer protection laws. I request that the CFPB take action to ensure these companies follow XXXX  law and correct or delete all inaccurate information. I also request that the CFPB require the bureaus to provide proof of verification or remove the items immediately as required by FCRA 1681i. 
Thank you for reviewing this complaint and helping enforce accuracy and compliance across the credit reporting system.

Company response to consumer: Closed with explanation