Consumer complaint received 2025-07-08 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 against Equifax for their continued negligence and willful non-compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and CFPB regulations by reporting multiple inaccurate and unverifiable entries on my credit report despite my disputes and documentation. These actions have caused me severe financial harm, emotional distress, and reputational damage. Below is a detailed breakdown of the disputed accounts and issues currently reported on my Equifax credit file XXXX XXXX  XXXX, CA XXXX WRONG ADDRESS ISSUE : This address is being inaccurately reported on my credit file. I have never resided at this location, nor do I have any financial ties, lease agreements, utility bills, or credit activity associated with this property. 
LAW : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

STORY : This incorrect address raises serious concerns about mixed file errors, identity confusion, or even fraudulent activity. The inclusion of this address may result from the careless merging of another individual 's credit file into mine, which has caused damage to my creditworthiness and led to multiple credit denials and emotional distress. I have submitted proof of my actual current and previous addresses, and demand this unverifiable, unrelated, and incorrect address be permanently deleted from my report to avoid future confusion, potential identity theft, or misassociation. 
XXXX XXXX XXXX XXXX CHARGEOFF HIGH BALANCE : {$5600.00} DATE OPENED : XX/XX/XXXX * * ISSUE : This account is falsely reported as charged off. The status, balance, and history are inaccurate and unverifiable. 
LAW : FCRA 611 ( a ) mandates a consumers right to dispute inaccurate information and demands the CRA reinvestigate and remove unverifiable items. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information with knowledge that it is inaccurate.

STORY : I never received any billing statements or legal notification that this account was delinquent or closed due to charge-off. I also never received any validation, proof of contract, original agreement, or application supporting this debt. This is a clear case of inaccurate reporting by the furnisher and Equifax 's failure to verify the accuracy before including it on my report. This has caused rejection in rental applications and auto loan denials. I demand full validation or complete removal of this account under my rights granted by federal law. 
XXXX XXXX CHARGEOFF HIGH BALANCE : {$4400.00} DATE OPENED : XX/XX/XXXX * * ISSUE : This charge-off entry reflects an account that is not only inaccurate but also potentially the result of identity error or misattribution.

LAW : FCRA 623 ( a ) ( 1 ) ( B ) states a furnisher must not furnish information after notice and confirmation of errors. FDCPA 15 USC 1692g requires debt validation upon request.

STORY : I never received any notice that this account was overdue, and the charge-off happened without warning. I did not authorize any credit line with this company or agree to any repayment terms. Equifax is required by law to verify and investigate disputed information and they have failed to do so. Reporting a charge-off without legal documentation and confirmation is reckless and violates my rights as a consumer. I request this account be deleted unless full documentation is mailed to me directly. 
XXXX XXXXXXXX CHARGEOFF HIGH BALANCE : {$4000.00} DATE OPENED : XX/XX/XXXX * * ISSUE : This account is completely unfamiliar to me and may be the result of identity theft or clerical error.

LAW : FCRA 602 ( a ) outlines the right to accurate and fair credit reporting. FCRA 611 ( a ) ( 5 ) ( A ) requires the removal of disputed information if unverifiable within 30 days.

STORY : I never had a relationship with this furnisher, nor did I apply for or use this line of credit. I believe this is a fraudulent or mistaken account that has been falsely attached to my credit file. I did not authorize the creation of this debt, nor have I received any legitimate correspondence from the creditor regarding this account. Equifax is violating my rights by continuing to display this unverifiable item. I demand a deletion of this account unless the original signed application, billing history, and legal ownership proof are supplied to me directly. 
XXXX XXXX XXXXXXXX XXXX  LATE PAYMENTS HIGH BALANCE : {$21000.00} DATE OPENED : XX/XX/XXXX * * ISSUE : This account is showing late payments that occurred during a COVID-19 hardship period when a deferment or forbearance was in place.

LAW : CARES Act Section 4021 prohibits furnishing delinquent information on accounts in forbearance due to COVID-19. FCRA 623 ( a ) ( 1 ) ( B ) further disallows inaccurate delinquency reporting.

STORY : During the COVID-19 pandemic, I communicated financial hardship and was told my account was placed into forbearance, meaning no adverse reporting would occur. Despite that, late payments were listed, which has severely impacted my score. This is illegal under the CARES Act. No notices of delinquency were sent, and Equifax has failed to correct these entries despite my previous disputes. I demand immediate removal of these lates and proper correction of payment history in compliance with both federal law and COVID-related consumer protections. 
XXXX XXXX XXXX CHARGEOFF HIGH BALANCE : {$13000.00} DATE OPENED : XX/XX/XXXX * * ISSUE : This entry is completely erroneous as it references a future account date and claims a charge-off that has no legal or logical basis.

LAW : FCRA 604 ( a ) ( 3 ) addresses permissible purpose and the inclusion of legitimate data only. FCRA 607 requires accuracy and clear verification.

STORY : An account can not be charged off before any billing cycles have occurred. The date shows it was opened in the future, which makes this entry not only invalid but fraudulent. This may be due to a system glitch or data entry error, but its continued reporting reflects Equifax 's failure to maintain accurate records. This damages my creditworthiness and gives potential lenders a misleading view of my responsibility. I am requesting that this be investigated and permanently removed as unverifiable and incorrect.

If Equifax fails to resolve these disputes within the time required by law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I reserve my right to pursue legal action under FCRA 616 and 617 for willful and negligent non-compliance. Please send me the results of your reinvestigation in writing, and provide an updated copy of my corrected credit report.

Company response to consumer: Closed with non-monetary relief