Consumer complaint received 2025-10-15 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: OH

Complaint narrative:
Dear CFPB, I am submitting this complaint to report and request an immediate investigation into the inaccurate and misleading reporting practices by the credit bureaus and the furnisher related to my personal credit file. The information being reported is false, unverifiable, and inconsistent with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My consumer rights have been violated through the continued reporting of wrong addresses and inaccurate account details despite prior disputes and requests for verification. I am asking for a full reinvestigation and correction of these errors as required by federal law. 

ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me and was never used by me for any application or residency. Continued reporting of this address violates FCRA XXXX ( B ) which requires consumer reporting agencies to maintain accurate and up-to-date records. Keeping an unrelated address on my file suggests mixed information or identity contamination, which creates a misleading representation of my credit profile. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$3200.00} Late Payment XXXX XXXX This account has been disputed multiple times for incorrect late payment reporting. The creditor has failed to verify the legitimacy of the alleged delinquency or provide any signed agreement showing acknowledgment of the late status. Under FCRA 611 ( A ) ( 1 ), unverifiable information must be deleted. Additionally, under FCRA 623 ( A ) ( 2 ), furnishers must correct and update information found to be incomplete or inaccurate. Reporting this unverifiable delinquency shows noncompliance with federal accuracy standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$3200.00} Late Payment XXXX XXXX This credit line reflects repeated late payments that I dispute as inaccurate and unverifiable. There is no legitimate documentation showing an actual late payment beyond what was contractually due. The repeated reporting of unverified delinquencies violates FCRA 607 ( B ) and 611 ( A ), as no proper reinvestigation has been completed despite my previous disputes. The creditors failure to substantiate the data also violates FCRA 623 ( A ) ( 3 ) which requires furnishers to cease reporting disputed data without proof of accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2500.00} Late Payment XXXX XXXX This duplicate account information is inaccurate and misleading, as the same account is being reported under multiple balances and late payment histories. Such duplicate or inconsistent reporting violates FCRA 607 ( B ) which mandates maximum accuracy and integrity of credit information. Continuing to list duplicate or unverifiable accounts damages my credit standing and must be immediately corrected or deleted.

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into these violations under the Fair Credit Reporting Act and compel the credit bureaus and furnishers to permanently delete or correct the false information. I also request that appropriate enforcement actions be taken to ensure full compliance with consumer protection laws.

Company response to consumer: Closed with non-monetary relief