Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law : FCRA 611 mandates reinvestigation and correction of unverifiable information. 
Issue : This address is invalid and not part of my history. 
Story : I never lived at this location, yet your records tie me to it. This false connection can easily trigger red flags for fraud alerts or suspicious activity, putting me at risk of being denied basic credit opportunities. Every time I apply for housing, auto loans, or financial products, false addresses like this XXXX add delays, confusion, and unfair denials. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/year> Balance Owed : {$25000.00} Law : FCRA 611 requires proper reinvestigation of disputed data. 
Issue : The late payments reported on this account are inaccurate. 
Story : I have disputed this account before, but no correction was made. These false late payments now make me appear as a high-risk borrower, which has resulted in repeated denials for credit applications. I was recently denied a credit card because of serious delinquency, even though the reporting is inaccurate. This false information prevents me from improving my financial situation, costs me opportunities, and creates ongoing hardship. 

XXXX XXXX XXXX Collection Date Opened : XX/XX/year> Balance Owed : {$86.00} Law : FCRA 609 requires agencies to provide proof and documentation of accounts. 
Issue : This collection account is unverified and invalid. 
Story : I never authorized or agreed to this debt, nor have I received proof that it belongs to me. Yet it is being reported as if I am delinquent. This has severely damaged my creditworthiness, making me appear as if I do not pay my obligations. I was denied a small loan recently because of this false collection, leaving me unable to cover essential expenses. The stress, embarrassment, and harm caused by reporting unverified debt are unacceptable and unlawful. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

Company response to consumer: Closed with non-monetary relief