Consumer complaint received 2025-09-02 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccuracies on my credit report and unauthorized inquiries. These errors have caused significant harm to my creditworthiness, financial reputation, and ability to access credit. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information. I request a full investigation, correction, and deletion of all erroneous items listed below. 

Addresses XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address is similarly unrelated to me. Duplicate reporting of inaccurate addresses further compounds the error and misrepresents my credit history. Under FCRA Section 611 ( a ), any unverifiable or inaccurate information must be deleted after a proper reinvestigation. The repeated presence of incorrect addresses demonstrates a lack of reasonable care by the furnisher and the bureau, violating federal law and negatively affecting my credit reputation. Immediate correction or removal is required. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address has no association with me whatsoever. Its inclusion on my credit report is inaccurate and unverified, directly violating FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ), which protect consumers from the reporting of unverifiable personal information. Reporting this incorrect address exposes me to potential credit denials and misidentification in financial records. I insist upon immediate removal or correction to protect my credit integrity. 

Accounts XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Charge Off High Balance : {$20000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This charge-off is reported without proper verification or documentation. FCRA Sections 607 ( b ) and 611 ( b ) require that negative information be fully substantiated prior to reporting. Reporting this charge-off without verification constitutes inaccurate reporting and can mislead lenders into believing I defaulted on a debt I do not owe. This inaccurate reporting has a substantial negative impact on my credit score and limits my financial opportunities. I demand full deletion unless the furnisher provides proper documentation proving the validity of this charge-off. 

XXXX XXXX XXXX # XXXX XXXX Collection High Balance : {$270.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account is being reported as a collection without proper verification. I have never incurred this debt, and its reporting is a violation of FCRA Sections 609 ( a ) and 611 ( a ). Reporting unverifiable negative information damages my creditworthiness, misleads lenders, and can result in denial of loans or employment. I insist upon immediate deletion unless the furnisher provides complete documentation proving the validity of this account. 

XXXX XXXX XXXX # XXXX Collection High Balance : {$310.00} Date Opened : XX/XX/XXXX XXXX XXXX This collection account is inaccurate and does not pertain to me. Reporting unverified collections violates FCRA Sections 609 and 611, which protect consumers from false and unverifiable information. Its presence in my credit report misrepresents my financial behavior, affects my credit score, and can lead to denial of financial opportunities. Immediate deletion is required unless substantiated by verifiable documentation. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Balance Owed : {$460.00} Date Opened : XX/XX/XXXX XXXX XXXX  This is a duplicate of the previously listed Portfolio Recovery account. Duplicate reporting misrepresents my obligations and violates FCRA Section 611 ( a ), which requires removal of unverifiable or duplicated negative information. Leaving this duplicate account on my credit report inflates perceived debt, harms my credit score, and misleads lenders. Immediate deletion of this duplicate entry is required. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$360.00} Date Opened : XX/XX/XXXX XXXX XXXX  This charge-off is inaccurately reported and has not been verified with any supporting documentation. Under FCRA Sections 607 ( b ) and 611 ( b ), all negative accounts must be substantiated before reporting. Reporting an unverifiable charge-off misleads lenders, harms my credit reputation, and can result in financial discrimination, higher interest rates, and denials of credit. I demand immediate reinvestigation and deletion if the furnisher can not provide documented proof. 

Inquiries XXXX. XXXX XXXX XX/XX/XXXX This inquiry was made without my consent or authorization. Under FCRA Section 604 ( a ), a credit bureau may only report a hard inquiry if the consumer has explicitly authorized it for a permissible purpose. Reporting unauthorized inquiries misrepresents my credit activity, artificially inflates the number of inquiries on my report, and can negatively impact my credit score. Such violations can lead to unjustified denials of credit or higher interest rates. I demand the immediate deletion of this inquiry and written confirmation that it has been removed. 

XXXX XXXX BANK XXXX XX/XX/XXXX This inquiry was unauthorized and made without my knowledge. Section 604 ( a ) of the FCRA requires that I provide express consent for all hard inquiries. Reporting unauthorized inquiries misleads lenders into thinking I have recently sought credit and artificially increases my perceived credit risk. This unauthorized action violates my legal rights and harms my credit profile. I demand immediate deletion. 

XXXX XXXX XXXX  XX/XX/XXXX I never authorized this inquiry. Hard inquiries without explicit consent violate FCRA Section 604 ( a ). Such inquiries can affect lending decisions, credit scoring, and my overall creditworthiness. Unauthorized reporting exposes me to potential discrimination in credit, housing, and employment decisions. I request immediate removal and confirmation that it has been deleted. 

Each of the items listed above contains errors that violate the Fair Credit Reporting Act. These inaccuracies cause real financial harm and impede my ability to obtain credit. I request the CFPB to enforce a full reinvestigation, correction, or deletion of all inaccurate accounts, addresses, and inquiries, and to ensure compliance with federal law. I am submitting this complaint directly to the CFPB for immediate action and oversight to protect my rights.

Company response to consumer: Closed with explanation