Consumer complaint received 2025-07-28 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 with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. 

XXXX XXXX XXXX XXXX XXXX XXXX Address A duplicate or variation of an already incorrect address being reported Law Issue : FCRA 611 mandates reinvestigation and correction of disputed information Story : I do not and have never lived at this address ; it must be deleted to correct my credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address This address is not and never was associated with me Law Issue : Reporting this false address violates FCRA 605 ( a ) ( 1 ) and is misleading Story : Including this address is a gross reporting error that must be deleted for accuracy XXXX XXXX XXXX XXXX, CA XXXX Address I have no connection to this location and never authorized it to be associated with me Law Issue : Under FCRA 611 ( a ) ( 1 ) ( A ), any inaccurate information must be deleted after reinvestigation Story : This is an erroneous entry harming my credit file. Please remove it XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chargeoff * * Account reported as charge-off though I was never notified properly and dispute was not handled Law Issue : FCRA 623 ( b ) ( 1 ) requires furnishers to investigate and correct disputed information Story : I never received proper validation or notice. The balance and charge-off are both inaccurate. I request deletion of this tradeline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Late Payment * * A late payment is being reported inaccurately while I was under financial hardship protections Law Issue : FCRA 611 and CARES Act provisions require proper hardship coding during COVID-related deferments Story : I was under a deferment plan. This late payment is misleading and damaging. Please remove it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Reported as late after the account was closed and paid Law Issue : FCRA 607 ( b ) demands accurate data. False derogatory reporting is noncompliant Story : I completed all payments. There should be no late remark on this account. Please delete it XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Account marked charged-off even after successful rehabilitation and closure Law Issue : Under FCRA 611 and FDCPA, incorrect account status must be corrected Story : This account was resolved and closed. The charge-off is misleading and must be deleted XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Chargeoff * * Debt buyer reporting charged-off account without providing full validation Law Issue : FDCPA 809 ( b ) and FCRA 611 require debt validation before furnishing derogatory data Story : I never received any validation of this debt. This entry is unverifiable and damaging. Please remove this tradeline XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I never authorized this inquiry nor interacted with this lender Law Issue : Per FCRA 604, a hard inquiry must be based on a consumer-initiated transaction Story : This was done without my consent or knowledge. Remove this inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized and unpermitted inquiry Law Issue : FCRA 604 ( a ) ( 3 ) ( A ) prohibits credit pulls without a permissible purpose Story : I did not apply for credit with XXXX. This inquiry was unauthorized and must be deleted XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Hard inquiry done without my application or authorization Law Issue : Under FCRA 604, this is considered an impermissible pull Story : This inquiry is harmful and not tied to any action I took. Please delete XXXX XXXX XXXX XX/XX/XXXX Inquiry This credit inquiry is completely unauthorized Law Issue : FCRA 604 ( a ) provides that only authorized and initiated inquiries are legal Story : I did not apply for credit with Exeter. This entry must be removed These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.

Company response to consumer: Closed with non-monetary relief