Consumer complaint received 2025-08-26 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 submitting this complaint to the Consumer Financial Protection Bureau because my credit report contains multiple inaccuracies regarding addresses, accounts, and unauthorized inquiries. These errors are damaging my credit reputation and violating my consumer rights. I request immediate investigation and permanent deletion of the following items. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 604 and 609 ( a ) ( 1 ) give me the right to know the source and accuracy of reported information Issue : This address is incorrect and can not be verified as mine Story : This address has been wrongly tied to my credit file and suggests that I lived at a place I never occupied. This type of false reporting has made background checks and rental applications difficult for me, as landlords question my residency history. It misrepresents my stability and must be deleted to protect my creditworthiness. 

Address XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 607 ( b ) requires the credit bureau to ensure the accuracy of all information reported Issue : This address is fraudulent and inaccurate Story : I have no connection to this location. This false listing puts me at risk for identity theft and suggests a link to accounts or debts that are not mine. Because of this, I have faced higher scrutiny when applying for financial products, adding unnecessary barriers to rebuilding my credit. This inaccurate data must be removed immediately. 

Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA 602 ( A ), 607 ( b ), and 611 ( a ) require fair, accurate, and verifiable reporting of consumer accounts Issue : This account is reporting late payments inaccurately when no balance is owed and no verified delinquency exists Story : Reporting this account as late while the balance is {$0.00} creates a false impression of irresponsibility. Lenders see this and assume I failed to pay when in reality no active debt exists. This misinformation has directly impacted my ability to qualify for affordable financing and has resulted in higher interest rates. This is unfair, harmful, and violates my right to accurate reporting. I demand reinvestigation and correction. 

Inquiry XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) clearly protects consumers from unauthorized credit pulls Issue : I never initiated or authorized this inquiry Story : This unauthorized inquiry is harming my score and suggesting to creditors that I am seeking multiple loans. Because of this, I have faced unfavorable loan terms and additional denials. This inquiry is fraudulent in nature and must be deleted. 

I request the CFPB to fully investigate these inaccurate addresses, erroneous account information, and unauthorized inquiries. These errors violate the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am asking for the immediate correction and deletion of all disputed items to restore accuracy to my credit file and prevent further harm.

Company response to consumer: Closed with non-monetary relief