Consumer complaint received 2025-10-31 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 complaint against the credit reporting agencies ( XXXX Equifax, and XXXX  ) and the listed creditors/debt collectors for reporting false, inaccurate, and unverifiable information on my credit report. 
The items listed below do not belong to me or have been reported incorrectly. Despite my efforts to have these issues corrected, they continue to appear on my report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611 ( A ). 
Incorrect Addresses The following addresses are being reported on my credit report, but I have no connection or residency history with them. These entries are inaccurate and must be removed immediately from all credit bureau databases. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong Address XXXX XXXX XXXX, XXXX, CA XXXX Wrong Address These addresses are not related to me, and keeping them on file misrepresents my identity and violates FCRA 607 ( B ), which requires accuracy and completeness of all information. 
Accounts Reported Inaccurately Below are the accounts that are either not mine, charged off in error, or incorrectly marked as late. I have no knowledge or record of the accounts listed as charge-offs or collections, and any late payment reporting is inaccurate and must be corrected. 
XXXX Acct : XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX Reported as Late Payment This reporting is inaccurate. I have never made late payments, and this information must be corrected to reflect XXXX as agreed. 
XXXX Acct : XXXX High Balance : {$590.00} | Date Opened : XX/XX/XXXX Reported as Charge-Off I have no knowledge of this account. Requesting full validation or immediate deletion. 
XXXX XXXX XXXX  Acct : XXXX High Balance : {$1600.00} | Date Opened : XX/XX/XXXX Charge-Off I have no record of this account and demand proof under FCRA 611 ( A ) ( 1 ). 
XXXX Acct : XXXX High Balance : {$1700.00} | Date Opened : XX/XX/XXXX Charge-Off Unknown account ; please delete immediately if unverifiable. 
XXXX XXXX Acct : XXXX High Balance : {$10000.00} | Date Opened : XX/XX/XXXX Charge-Off I have no knowledge of this account. Please remove or validate fully. 
XXXX Acct XXXX XXXX High Balance : {$380.00} | Date Opened : XX/XX/XXXX Charge-Off I have no recollection of any account with this lender. 
XXXX Acct : XXXX High Balance : {$8000.00} | Date Opened : XX/XX/XXXX Charge-Off Not mine. Please provide verification or remove. 
XXXX  Acct : XXXX High Balance : {$1600.00} | Date Opened : XX/XX/XXXX Collection I have no knowledge of this debt ; delete immediately if unverifiable. 
XXXX XXXX XXXX XXXX Acct : XXXX High Balance : {$900.00} | Date Opened : XX/XX/XXXX Collection I have no relationship or agreement with this company ; remove immediately. 
Unauthorized Inquiries The following hard inquiries were made without my knowledge or consent and therefore are unauthorized. Please remove them as they violate FCRA 604 ( A ) ( 2 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized by me and have negatively affected my credit profile. 
Violation Summary All of the above items show a clear pattern of inaccurate, incomplete, and unverified reporting, constituting violations of the following sections of the FCRA : 602 ( A ) : Purpose of the XXXX reporting must be fair and accurate. 
607 ( B ) : Duty to assure maximum possible accuracy.

611 ( A ) : Reinvestigation of disputed information.

623 ( A ) ( 1 ) ( A ) : Furnisher duty to provide accurate information.

604 ( A ) ( 2 ) : Permissible purpose of consumer reports.

Requested Resolution I respectfully request the Consumer Financial Protection Bureau to investigate this matter and compel : 1. The credit bureaus ( XXXX Equifax, and XXXX ) to remove the wrong addresses from my credit file. 
2. The immediate deletion or correction of all unverifiable accounts listed above.

3. The removal of unauthorized hard inquiries.

4. Assurance that all future reports accurately reflect verified, factual data only. 
These inaccuracies are negatively affecting my creditworthiness, employment opportunities, and financial stability. I am requesting a prompt and fair resolution under CFPB authority.

Company response to consumer: Closed with non-monetary relief