Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against several credit furnishers and credit reporting agencies for the continued reporting of false, inaccurate, and unverified information on my credit reports. Despite previous disputes submitted to the credit bureaus, these errors remain uncorrected, causing ongoing harm to my creditworthiness, reputation, and financial stability. The following accounts are being reported inaccurately and violate my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
XXXX XXXX XXXX, LA XXXX Wrong Address These addresses are completely inaccurate and have no connection to me whatsoever. I have never lived, received mail, or conducted any business at these locations. Reporting these addresses is misleading and creates confusion in my file, potentially linking me to activities or accounts that are not mine. This constitutes a clear violation of Section 609 ( a ) ( 1 ) of the FCRA, which requires consumer reporting agencies to maintain accurate and verifiable information. I request immediate removal of these false addresses from my credit file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$160000.00} | Late Payment This account is being falsely reported with late payment information. I have never been late on this account, and no valid documentation exists proving otherwise. I am requesting full verification of all payment history. If you can not provide a signed, dated record showing late payment directly from the original creditor, you must correct the reporting to reflect an On-Time Payment History. Reporting inaccurate delinquency damages my credit reputation and violates FCRA 607 ( b ). 
XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$550.00} | Charge Off This account is falsely reported as charged off. I have no record or knowledge of any such charge-off event. This appears to be a reporting error or possibly the result of identity confusion. Under FCRA 611, I request reinvestigation and verification from the original creditor with full documentation. If such proof can not be produced, this account must be deleted from my credit report immediately. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX | Balance Owed : {$8600.00} | Charge Off I dispute this account as it is being reported inaccurately. I have no recollection or written notice of a charge-off, nor any lawful validation provided. Unless you can furnish verified records including signed contracts and payment records, this information must be deleted immediately under the FCRAs accuracy and verification requirements. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX | Balance Owed : {$760.00} | Late Payment The late payment status being reported on this account is false and misleading. I have never been late on any XXXX XXXX XXXX XXXX account. The error is severely affecting my score and reputation. I demand a full investigation and correction to reflect perfect payment history or immediate deletion of the account if the data can not be substantiated. 
XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} | Charge Off This charge-off entry is completely inaccurate and without basis. I have never received any notice from XXXX XXXX indicating such status, nor have I defaulted on any XXXX account. I demand documentation supporting this claim, including original creditor verification, or removal of the tradeline under FCRA 611 ( a ) ( 5 ). 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX | Balance Owed : {$24000.00} | Charge Off Both these accounts appear to be duplicate entries or erroneous charge-offs. Reporting the same alleged debt multiple times is misleading and violates FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false information. I have no record of any charge-off or default of this amount. These entries must be deleted unless full legal proof is provided. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off * * This account is being reported inaccurately as a charge-off. I have never received any legal or written notice indicating that this account was charged off, nor was I ever informed of any delinquency. Reporting such a serious derogatory item without verifiable proof is a direct violation of FCRA 607 ( b ), which mandates accuracy of all furnished information. I request complete verification from the original creditor, including signed contracts and payment statements. If no valid proof exists, this account must be deleted immediately. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX | Balance Owed : {$1900.00} | Charge Off * * This is a duplicate entry of the previous account, and the balance, creditor, and open date are identical. Reporting the same debt twice is misleading and unlawful under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which prohibit inaccurate or duplicative information from being furnished. This duplicate listing is causing unnecessary damage to my score and credibility. I demand that this redundant tradeline be immediately deleted. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX | Balance Owed : {$60000.00} | Late Payment * * This account is falsely reporting late payments. I have always made consistent and timely payments toward my student loans and have not received any official notice confirming late activity. Under FCRA 611 ( a ) and 607 ( b ), any unverified negative reporting must be corrected or removed. Please provide full payment history verification from the Department of Education or its assigned servicer. If documentation can not be validated, update the account to reflect Pays As Agreed Never Late. 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$30000.00} | Late Payment * * This is another inaccurate report showing late payments that never occurred. I take my financial obligations seriously, and there is no valid record of delinquency. Such reporting errors are damaging and in direct violation of FCRA 607 ( b ), which requires the utmost accuracy. Unless you can provide valid proof of late payment directly from XXXX XXXX XXXX XXXX, you must correct the payment history to reflect Paid As Agreed or remove the tradeline completely. 
SUMMARY OF VIOLATIONS : 1. Failure to maintain accurate information FCRA 607 ( b ).

2. Failure to properly reinvestigate disputed items FCRA 611 ( a ).

3. Willful furnishing of false information FCRA 623 ( a ) ( 1 ) ( A ).

4. Failure to delete unverifiable or duplicate data FCRA 611 ( a ) ( 5 ) ( A ).

These inaccuracies are not minor clerical errors ; they have caused significant emotional distress, denial of credit opportunities, and reputational damage. I have provided ample opportunity for the credit bureaus and furnishers to correct these mistakes, yet they continue to violate my consumer rights.

I am requesting the CFPB to : Conduct a full and independent investigation into these reporting violations.

Compel the credit bureaus ( Experian, Equifax, and TransUnion ) to delete or correct the false and duplicate accounts immediately. 
Take enforcement action against the furnishers ( XXXX  XXXX, XXXX XXXX XXXX XXXX, and Department of EducationXXXX XXXX for noncompliance with the FCRA. 
I have attached supporting documentation, including copies of my ID, proof of address, and prior dispute letters, to aid in your investigation.

Company response to consumer: Closed with non-monetary relief