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:
I am filing this formal complaint to report serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. My credit reports contain wrong addresses that do not belong to me, late payment reporting on accounts that is false and unverifiable, and unauthorized credit inquiries that were conducted without my knowledge or consent. These actions violate federal law and are causing me financial, reputational, and emotional harm WRONG ADDRESSES ( IDENTITY MIXING & FRAUD RISK ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not mine and never has been. Attaching it to my credit report creates a false identity trail. FCRA 1681c-2 requires blocking any information that results from identity theft, and this address falls under that category. Having this wrong address connected to my file means lenders question whether I am being truthful, landlords doubt my history, and employers see a confusing record that makes me look unreliable. This is damaging not just to my credit but to my entire reputation and stability XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This false address shows how reckless the CRAs have been with my data. Under FCRA 1681e ( b ), they must assure accuracy, but they have failed. Every time a creditor runs my report, I am judged based on information that has no connection to me. This causes humiliation, financial loss, and creates suspicion of fraud. This is not just inconvenientit is life-altering harm that prevents me from getting approved for credit, cars, or even decent housing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I have disputed this multiple times, yet the CRA refuses to delete it. Under FCRA 1681i, they are required to investigate within 30 days and remove unverifiable information. By ignoring this, they show willful noncompliance. This false address has already led to a lender questioning me in front of others, which was humiliating and stressful. It creates constant anxiety, knowing that false data is being used to judge my financial character XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address creates confusion and makes it appear as if I lived in places I never have. GLBA requires safeguarding consumer data, yet my file is polluted with errors. This has exposed me to increased identity theft risk and has caused creditors to deny me based on false residency records. The stress of proving my true identity every time is exhausting and degrading XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wrong Address This wrong address is another act of negligence. Each wrong address magnifies the damage to my file. FCRA 1681n makes them liable for willful violations, and keeping this false address on my record is clear willful disregard. It destroys trust in my report, makes me appear unstable, and directly prevents me from rebuilding my financial life XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address This New York address has no connection to me whatsoever. Reporting an address in a state I never lived in is extreme negligence. It shows that my file has been mixed with another consumer, which is a serious violation under FCRA. Because of this false address, I have already lost out on an apartment lease and was forced to explain myself to a landlord as if I was a fraud. That experience caused me humiliation, loss of opportunity, and unnecessary stress XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This wrong address represents years of negligence by the CRAs. Under FCRA 623, furnishers must not provide inaccurate information, yet this address is still being reported. This error damages my personal integrity, makes me look dishonest, and creates constant obstacles whenever I apply for financial products. It also puts me at continued risk of identity fraud, which is a terrifying and unfair burden to carry every day HARDSHIP / STORY The combination of false addresses, inaccurate late payments, and unauthorized inquiries has caused me significant hardship. I have been denied housing, rejected for credit, and forced to pay higher interest rates. Lenders and landlords have questioned me about addresses I never lived at, making me feel humiliated and treated like a fraud. These false negative marks have made it impossible for me to rebuild my credit and move forward. The CRAs and furnishers have ignored my disputes and continue to verify information without providing lawful documentation. This is evidence of negligent and willful noncompliance under FCRA 1681n and 1681o, entitling me to relief and damages DEMAND FOR RELIEF 1. Immediate and permanent deletion of all wrong addresses listed above 2. Permanent removal of all inaccurate late payment history from XXXX XXXX and XXXX unless verifiable proof is provided 3. Deletion of all unauthorized inquiries listed above 4. A full investigation into the CRAs and furnishers for negligent and willful violations of FCRA and FDCPA 5. Compensation for damages caused by these violations, including financial losses, reputational harm, and emotional distress

Company response to consumer: Closed with non-monetary relief