Consumer complaint received 2025-08-21 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 submitting this formal complaint regarding multiple inaccuracies and unlawful reporting on my credit report. The following items are inaccurate, misleading, and damaging to my financial reputation. I request immediate investigation and correction under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

XXXX XXXX XXXX, XXXX, CA, XXXX Issue : Wrong Address Story : I have never lived at this address or conducted any financial transactions associated with it. Reporting this address falsely exposes me to identity risks and possible financial liability. The continued presence of this incorrect address undermines my credit reliability and affects potential financial decisions. Correcting this is essential to prevent any further harm. 
Law : FCRA 611 requires credit reporting agencies to investigate and correct inaccurate information.

XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  High Credit : {$120.00} Issue : Late Payment Story : The reported late payment is inaccurate. I have consistently made all payments on time, and I have documentation proving this. The erroneous late payment is unfairly lowering my credit score, affecting my ability to obtain new credit and loans. This inaccurate reporting is causing unnecessary stress and financial disadvantage. I demand correction to reflect the accurate payment history. 
Law : FCRA 611 ( a ) requires reinvestigation of disputed information and timely correction.

XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  High Credit : {$0.00} Issue : Charge Off Story : This account was fully paid, and the charge-off reported is incorrect. Misreporting a charge-off falsely damages my creditworthiness, leading to higher interest rates, loan rejections, and unwarranted financial scrutiny. Accurate reporting is necessary to maintain fairness and compliance. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) mandates accurate reporting by furnishers, and failure to do so violates federal law.

XXXX XXXX Open Date : XX/XX/XXXXXXXX  High Balance : {$510.00} Issue : Late Payment Story : I have never missed a payment on this account. The reporting of a late payment is false and misleading, negatively affecting my credit profile and financial opportunities. I possess statements proving timely payment. Such misreporting creates undue stress, potential credit denials, and a false record of financial irresponsibility. Immediate correction is required. 
Law : FCRA 611 ( a ) ( 1 ) gives consumers the right to have inaccuracies corrected promptly.

XXXX XXXX Open Date : XX/XX/XXXXXXXX  High Balance : {$1900.00} Issue : Collection Story : I dispute this collection because I have no record or knowledge of owing this debt. Reporting a collection inaccurately harms my credit, creates unnecessary financial stress, and can lead to legal or collection actions I do not owe. Maintaining such false information is both unfair and unlawful. Immediate investigation and removal are demanded. 
Law : FCRA 623 ( a ) ( 8 ) ensures furnishers must report only accurate information.

XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  High Balance : {$390.00} Issue : Collection Story : I never received proper notice of this alleged debt, nor have I authorized any payment arrangement. Reporting this as a collection is false and is causing harm to my credit profile. This misinformation exposes me to potential legal consequences and financial disadvantage. Immediate removal is required to restore my rights and accurate credit reporting. 
Law : Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ) requires debt validation before reporting, and failure to comply violates consumer protections.

These errors are causing significant financial harm, credit misrepresentation, and identity confusion. I request the CFPB to investigate each item, enforce correction or removal, and hold the responsible furnishers accountable under applicable federal law.

Company response to consumer: Closed with non-monetary relief