Consumer complaint received 2025-08-06 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 writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( XXXX, Equifax, and XXXX  ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX LAW : FCRA XXXX ( c ) ( XXXX ), FCRA XXXX ( a ), FCRA XXXX ( a ) ISSUE : Unrecognized and inaccurate PO Box listed STORY : I have never rented, used, or been assigned XXXX XXXX XXXX in XXXX. This address is unfamiliar to me, and its appearance on my file is misleading and potentially harmful. I fear this could have resulted from identity confusion or error by a data furnisher. As this PO Box is not associated with me in any way, I demand it be removed from all parts of my credit report to ensure the integrity of my personal data ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX LAW : FCRA XXXX ( c ) ( XXXX ), FCRA XXXX ( a ), FCRA XXXX ( a ) ISSUE : Irrelevant business address appearing as personal information STORY : I have never lived or conducted personal affairs at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. This is a business or commercial address and has no relation to my residential or credit history. Including such an address in my credit profile introduces inaccuracies and gives the wrong impression to creditors about my identity and location. This is likely a reporting mistake and I request that it be deleted immediately ACCOUNT : MIDLANDCRE XXXX * DATE OPENED : XX/XX/XXXX BALANCE : {$2300.00} CHARGEOFF * * LAW : FCRA XXXX ( a ), FCRA XXXX ( b ), XXXX XXXX XXXX ISSUE : Inaccurate charge-off listed without proper validation STORY : I have no recollection of opening any account with XXXX XXXX  and I was never notified about this alleged debt. The amount, account number, and creditor details are unfamiliar to me. I believe this may be a case of mistaken identity or possibly a re-aged or resold debt reported without proper validation. Additionally, it appears this charge-off may be duplicating the collection listed by XXXX XXXX for the same amount, which constitutes double reporting of a single debt. I request full reinvestigation and deletion if the account can not be 100  % verified with original contract and payment history INQUIRY : XXXX XXXX XX/XX/XXXX LAW : FCRA XXXX ( a ) ( XXXX ), FCRA XXXX ISSUE : Unauthorized credit inquiry that I did not approve STORY : I did not authorize or initiate any application for credit or services with XXXX XXXX  on or around XX/XX/XXXX. I never gave written or verbal consent for them to pull my credit report. This hard inquiry was done without a permissible purpose and is damaging my credit score. According to FCRA XXXX, every entity pulling a consumers credit report must have a lawful and documented reason, which this does not. I am requesting the immediate removal of this unauthorized inquiry from my credit file The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

Company response to consumer: Closed with non-monetary relief