Consumer complaint received 2025-09-02 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccuracies on my credit report, including a wrong address and several fraudulent or misreported accounts. Under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, I am entitled to accurate, complete, and verifiable information on my credit file. The reporting of these false items has caused significant financial, emotional, and legal harm, including the denial of loans, higher interest rates, and undue stress. I request immediate CFPB intervention to ensure full reinvestigation, correction, or deletion of all inaccurate items and to hold all responsible parties accountable. 

Address : XXXX XXXX XXXX XXXX, LA XXXX Wrong Address This address is inaccurately reported and is not associated with me in any capacity. FCRA 1681e ( b ) requires that all identifying information, including addresses, be accurate and complete. Reporting a wrong address can mislead creditors, cause unauthorized inquiries, and potentially result in mistaken liabilities or collection attempts against me. The continued reporting of this erroneous address despite prior disputes demonstrates a failure to comply with reinvestigation obligations under FCRA 1681i ( a ). I request immediate removal of this address, verification of its deletion, and written confirmation that my credit report has been corrected to reflect only accurate information associated with my actual residences. 

Address : XXXX XXXX XXXX XXXX, LA XXXX Wrong Address This address is also inaccurately listed and is not, nor has it ever been, associated with me. FCRA 1681e ( b ) obligates the credit bureau to ensure that all reported identifying information is complete and accurate. Including this incorrect address risks misdirected communications, potential identity confusion, and unauthorized access or liability. It also misrepresents my residency history to creditors, impacting lending decisions and credit evaluations. Under FCRA 1681i ( a ), the bureau must reinvestigate disputed information and remove unverifiable or inaccurate data. I request that this erroneous address be deleted immediately, proper verification conducted with supporting documentation, and written confirmation sent to me confirming the correction. 

Account : XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Late Payments * * This account has been inaccurately reported with late payments. FCRA 1681i ( a ) requires that all disputed items be thoroughly investigated and verified with the original creditor. My payment history does not align with the reported late payments. The incorrect reporting impacts my credit profile and creates unwarranted negative impressions for lenders. Repeated inaccuracies despite prior disputes demonstrate a failure to comply with FCRA regulations. I request that verification of all payment records be obtained, and if verification can not be provided, the inaccurate late payments must be deleted. Continued reporting of false late payments is damaging to my financial stability and must be corrected immediately. 

Account : XXXX  # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * The reported late payments on this account are false and misleading. FCRA 1681i ( a ) and 1681e ( b ) require the bureau to ensure the accuracy of all reported information. The account shows a XXXX balance, meaning there should be no late payments reported. Misreporting these late payments misleads creditors, affects lending decisions, and unjustly harms my credit history. This repeated reporting despite prior disputes violates my rights. I request that the bureau obtain verification of payment records from the original creditor. If verification can not be provided, the late payments must be removed, and my credit report updated accordingly. 

Account : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$530.00} Collection * * This account is inaccurately reported as a collection. FCRA 1681i ( a ) requires that any disputed information be fully reinvestigated with the original creditor, and FCRA 1681e ( b ) obligates the bureau to ensure that all reported information is accurate and complete. I dispute the legitimacy of this collection and request verification documentation, including original account statements and payment history, to confirm that this account is valid and the balance is correct. Reporting unverifiable information misrepresents my payment history, harms my credit reputation, and negatively impacts my ability to obtain credit. The repeated reporting of this collection despite prior disputes demonstrates a failure to comply with FCRA reinvestigation requirements. I request immediate deletion of this account if verification can not be provided and written confirmation that my credit report has been corrected. 

Account : XXXX XXXX  # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} Late Payments * * Late payments are inaccurately reported on this account. FCRA 1681i ( a ) mandates a thorough reinvestigation with the original creditor to verify disputed information. XXXX XXXX  records confirm that no late payments occurred as reported. Misreporting these payments misrepresents my payment history, negatively impacts my creditworthiness, and violates FCRA requirements. The bureau must obtain verification documents, including original payment receipts. If verification can not be provided, all inaccurate late payments must be deleted immediately to restore the accuracy of my credit report. 

Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$640.00} Collection * * The reported collection on this account is inaccurate and unverifiable. FCRA 1681i ( a ) and 1681e ( b ) require the bureau and furnisher to provide evidence supporting the collection status. I dispute the validity of this collection and request complete documentation proving my obligation, including account history and communications. Continued reporting of unverifiable collections harms my credit reputation, creates undue stress, and may affect my ability to obtain future credit. If verification can not be provided, the collection must be deleted immediately, and written confirmation of the deletion sent to me. 

Account : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX ) # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Collection * * This account is incorrectly reported as a collection. FCRA 1681i ( a ) requires reinvestigation with the original creditor for all disputed items. No valid documentation supports the collection status. Reporting unverifiable collections is damaging and misrepresents my payment behavior to lenders. The continued reporting of inaccurate information despite prior disputes violates my rights under the FCRA. I request full documentation from the original creditor and deletion of the collection if verification can not be provided. Written confirmation of the correction must be sent to me. 

Account : XXXX # XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} Charge Off * * The reported charge-off is inaccurate. FCRA 1681i ( a ) requires the bureau to reinvestigate disputed items with the original creditor. No evidence supports the charge-off as reported. Misreporting this account harms my credit reputation and creates barriers for future credit opportunities. I request documentation confirming the legitimacy of the charge-off. If verification can not be provided, the account must be deleted, and written confirmation of the correction must be sent to me. 

I respectfully request the CFPB to take immediate action to ensure that all disputed items, including the incorrect address and all unauthorized or inaccurate accounts, are fully investigated, verified, and corrected or removed in compliance with the FCRA. The continued presence of these inaccuracies has caused substantial harm to my financial standing and personal well-being. I ask the CFPB to provide oversight, enforce compliance by all reporting agencies and creditors, and confirm in writing that all corrections have been made. I reserve all rights under the FCRA, including seeking further legal remedies if necessary, to ensure my credit report reflects accurate, complete, and verifiable information.

Company response to consumer: Closed with explanation