Consumer complaint received 2025-10-21 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: OH

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report contains multiple serious inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These include the reporting of a wrong address, an unverified charge-off account, and an unauthorized credit inquiry. Despite my previous attempts to resolve these errors, the information continues to be reported inaccurately, causing ongoing harm to my credit profile and financial reputation. I request a full investigation into these matters and immediate corrective action to bring the furnishers and credit bureaus into compliance with federal law. 

ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX These addresses are incorrect, outdated, and not associated with any verified account or valid credit relationship under my name. Reporting multiple inconsistent addresses violates the accuracy provisions of the FCRA 607 ( b ) and creates confusion, suggesting mixed files or identity issues. I demand immediate removal of all these false addresses. The FCRA ensures that only complete and verifiable identifying information should remain on a consumer report. Allowing inconsistent address data to remain violates the integrity of the credit file and can misrepresent consumer identity. 

ACCOUNT XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge-Off This account is inaccurately reported and appears to have been charged off improperly. Under FCRA 611 ( a ), I am entitled to a full reinvestigation and validation of any account information reported. The reporting of a {$0.00} balance with a charge-off status is contradictory and violates FCRA 607 ( b ), which mandates maximum possible accuracy. If this account can not be verified with original signed documentation proving my responsibility and full payment history, it must be deleted. Reporting a charge-off after the account is closed with no balance owed is misleading and damaging, falling under deceptive and incomplete reporting practices prohibited by the FCRA. 

INQUIRY XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not approved or initiated by me and do not relate to any application or legitimate transaction under my name. Reporting such unauthorized inquiries violates FCRA 607 ( b ), which mandates maximum possible accuracy, and FCRA 604 ( a ) ( 3 ), which restricts access to a credit report without permissible purpose. These unauthorized pulls not only breach my right to privacy but also negatively impact my credit profile by falsely indicating that I have applied for credit when I have not. 

These continued violations reflect a clear disregard for the accuracy and verification standards required by the FCRA and FDCPA. False addresses, unverified charge-offs, and unauthorized inquiries not only harm my credit but also undermine the integrity of the reporting system. I respectfully request that the Consumer Financial Protection Bureau conduct a full investigation into these violations, compel the credit bureaus and furnishers to delete or correct the inaccurate data, and ensure compliance with all consumer protection laws. I also request written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief