Consumer complaint received 2025-08-18 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: AZ

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding multiple inaccuracies on my credit report that are seriously harming my financial standing, credit score, and personal reputation. Despite my attempts to resolve these issues with the credit bureaus and furnishers, the errors remain uncorrected. I request CFPB intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Issue : This address is being inaccurately reported and is not associated with me. 
Law : Under FCRA 605 ( b ) and 607 ( b ), credit reporting agencies must ensure maximum possible accuracy of consumer information. Reporting incorrect addresses violates this obligation.

Story : I have never lived at or used this address in connection with any financial account. The inclusion of this address confuses my identity, risks potential mixed files, and places me in jeopardy of being linked to accounts or debts that are not mine. The law clearly states that inaccurate identifiers such as wrong addresses must not remain on a consumer file, yet this error continues to harm me when applying for credit, housing, and employment. 
XXXX XXXX ( Acct : XXXX ) XXXX XXXX  High Balance : {$840.00} | Date Opened : XX/XX/XXXX Issue : Reported as a charge-off, which is inaccurate and misleading. 
Law : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information if they know or have reasonable cause to believe it is inaccurate. FDCPA 807 also prohibits false representation of debt.

Story : This account has been mischaracterized as a charge-off when in fact the reporting is inconsistent with my payment history and the true account status. The continued listing as a charge-off creates an impression of default that is harmful, misleading, and not supported by valid evidence. Such inaccurate reporting damages my reputation and credit standing, which is against the purpose of the FCRA. I request that XXXX XXXX either provide full validation with original signed agreements and complete payment history, or that this erroneous entry be deleted immediately. 
XXXXXXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX  High Balance : {$2600.00} | Date Opened : 01/03/2019 Issue : Reported as a charge-off, which is incorrect.

Law : FCRA 607 ( b ) requires maximum possible accuracy ; FDCPA 809 requires debt verification upon dispute.

Story : I dispute the validity of this charge-off. I have never received sufficient documentation verifying this alleged debt, including original contracts, statements, or payment records. Reporting an unverified charge-off without proper substantiation violates both FCRA and FDCPA. The harm from this error is significantaffecting my credit score, limiting my ability to secure financing, and subjecting me to unfair treatment. If the creditor can not verify this debt with proper evidence, it must be deleted as mandated by law. 
XXXX XXXX  XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$130.00} | Date Opened : XX/XX/XXXX Issue : Reported as a charge-off inaccurately. 
Law : FCRA 623 ( b ) requires furnishers to correct and update inaccurate information ; FDCPA 807 forbids misleading representations of debts.

Story : This account is being wrongly reported as a charge-off when the record does not reflect complete and verifiable payment history. For a debt to be reported in such a derogatory status, the creditor must provide verifiable proof of default, which has not been done. The continued listing of this small account as a charge-off magnifies its negative effect and unfairly tarnishes my credit profile. This inaccurate reporting is not only unlawful but unjust, causing disproportionate harm to me as a consumer. 
XXXX ( Acct : XXXX XXXX XXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX Issue : Listed as a charge-off, inaccurate and unverified. 
Law : FCRA 609 ( a ) ( 1 ) grants my right to obtain and challenge information ; FCRA 611 ( a ) requires prompt reinvestigation and deletion if unverifiable.

Story : The charge-off status being reported is not accurate. I dispute its validity and request verification with complete documentation, including original contracts, billing statements, and evidence of default. Without such proof, reporting this derogatory status constitutes willful noncompliance under the FCRA. The misreporting of this account negatively influences my financial stability and must be corrected immediately.

Requested Resolution : Immediate deletion of all inaccurate addresses.

Full reinvestigation and deletion of unverifiable or incorrect charge-off accounts.

Written confirmation of the corrections.

Assurance that these errors will not be reported again.

These inaccuracies are not only unlawful but create significant financial and personal harm. I request the CFPBs assistance in ensuring the credit bureaus and furnishers comply with federal law, reinvestigate each item thoroughly, and correct or delete all inaccurate information.

Company response to consumer: Closed with non-monetary relief