Consumer complaint received 2025-10-01 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:
I am submitting this complaint to formally dispute multiple inaccurate items on my credit report. I request a full investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ) and all applicable laws. These items are harming my creditworthiness and causing undue stress and financial hardship. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Law/Issue : FCRA XXXX ( a ) inaccurate personal identifying information. This address is not associated with me and is a false record on my credit file. The presence of this incorrect address causes harm, confusion, and potential denial of credit, housing, or other financial services. I request this address be fully verified and, if unverifiable, permanently deleted. This address does not belong to me and is not my current or previous residence. Continued reporting of this address violates the FCRA as it is materially inaccurate and misleading. I have never received mail, bills, or correspondence at this address. No utility or rental records link me to this property. This address is incorrectly attributed to my credit history and may lead to mistaken identity issues. Reporting it inaccurately could result in fraudulent activity being associated with me. The bureau must investigate the source of this error thoroughly. Any lender or creditor using this address as verification is being misled. Immediate deletion is necessary to prevent further harm to my credit profile. 

Account : XXXX XXXX SVCS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7600.00} Late Payment Law/Issue : FCRA XXXX ( b ) inaccurate late payment. The reported late payment did not occur and is unsupported by my records. Statements show all payments were timely and complete. Reporting this false information damages my credit score and financial reputation. The bureau has a legal obligation to verify the account with proper documentation. If the reported late payment can not be verified, it must be deleted immediately. The false report misleads lenders and other institutions relying on my credit file. Prior disputes did not result in accurate correction. No notices, collection actions, or creditor communications support the reported delinquency. Continued reporting of this error violates FCRA XXXX and XXXX ( b ). I demand immediate investigation including all payment history, dates, and creditor confirmation. Misreporting this account negatively impacts my financial life and potential credit opportunities. The bureau must act promptly to remove unverifiable information. Reporting this inaccurate late payment constitutes ongoing harm. I request written proof of verification or deletion from the bureau. 

Account : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : FCRA XXXX ( b ) inaccurate late payment. The reported late payments are false and unsupported. My statements and payment history prove timely payments. Misreporting this account harms my credit score and misleads potential lenders. The bureau is required to verify all account data with proper documentation. If verification can not be provided, the account must be deleted. Continued reporting of inaccurate late payments violates FCRA XXXX. I demand full reinvestigation including account statements, payment records, and creditor confirmation. Reporting errors expose me to financial harm and may result in denial of loans or housing. Prior disputes have not corrected this issue. I request immediate removal of unverifiable information. Misrepresentation of this account constitutes ongoing legal liability for the bureau. All credit reporting must comply with federal law, accuracy standards, and verification requirements. I request written proof of the investigation results and permanent deletion if unverifiable. 

I request that all above-listed inaccuracies and unauthorized inquiries be fully investigated, verified, and corrected according to the FCRA. I seek immediate deletion of any unverifiable or false information and removal of unauthorized inquiries. My credit report must reflect accurate and fair information to prevent further financial harm.

Company response to consumer: Closed with non-monetary relief