Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16961465
Complaint Overview
Complaint ID: 16961465
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: North Carolina
ZIP Code: 28208
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-10-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Representative, I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate and unverifiable information on my credit report. These errors are severely affecting my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to the credit bureaus be accurate and verifiable. Inaccurate Personal Information ( Wrong Addresses ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses do not belong to me and should be permanently removed from my credit file. Accounts Reporting Incorrect Information : DEPTED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} This account is being reported with late payments, which is completely false. I have never made any late payments on this account. Please correct the payment history to show an accurate on-time record. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is also incorrectly reported with late payments. I have no record of any delinquency, and I request that the payment history be corrected to reflect timely payments. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account shows late payments that are inaccurate. I request verification of the alleged delinquencies and correction of my payment history. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} This account is reported as a charge-off, but I have no knowledge of this account being delinquent or charged off. I am requesting verification and documentation proving the validity of this charge-off. If such proof can not be provided, this account must be deleted from my credit report. XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} This account is being reported as a charge-off, which is inaccurate. I have no knowledge or record of this debt. Please verify its authenticity or remove it from my credit report. XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} This account is also reported as a charge-off without any verification or notice to me. I am requesting full validation. If the creditor can not verify it as accurate and complete, it must be deleted immediately. Summary of Violations : Reporting inaccurate addresses that do not belong to me. Reporting late payments that never occurred. Reporting charge-off accounts with no proof of validity. Failure to maintain reasonable procedures to assure maximum possible accuracy as required by FCRA 607 ( B ). I am requesting that the CFPB intervene to ensure that these reporting entities verify and correct these errors immediately. I would also like written confirmation once these investigations are completed and the inaccurate data has been corrected or removed from my credit report. Thank you for your assistance and for helping protect consumers rights under the FCRA.
Frequently Asked Questions
What is Complaint #16961465 about?
Complaint #16961465 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-10-31T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.