Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Law : FCRA 602 ( A ), 609 ( A ), 611 ( A ) Issue : Wrong address reporting under my credit profile Story : I have never lived at this address, never received mail there, and never used it in connection with any financial or credit applications. Its presence on my report may cause mistaken identity and makes it appear as though I have connections or debts tied to a place I never occupied. Leaving it on file is misleading and creates a false history that affects my credibility with lenders. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Law : FCRA 602 ( A ), 609 ( A ), 611 ( A ) Issue : Erroneously reported address Story : I never lived at this address, never registered utilities, nor signed credit documents here. Including this address creates confusion and exposes me to being associated with debts or activity that are not mine. Such errors are damaging and must be corrected for accuracy. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 607 ( B ), 609 ( A ), 611 ( A ) Issue : Inaccurate late payment history on a {$0.00} balance account Story : It makes no sense for a closed account with a XXXX balance to continue reporting late payments. This is misleading because it shows delinquency even though there is no money owed. Lenders reviewing my file assume I defaulted, which unfairly harms my reputation and opportunities for credit approval. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Chargeoff * * Law : FCRA 607 ( B ), 611 ( A ), 615 ( B ) Issue : Reported charge-off with no proper validation Story : This account is listed as a charge-off but I was never given documentation or notices proving this debt is valid or belongs to me. Under the law, unverifiable accounts must be removed. Reporting this without proof creates an inaccurate negative history that unfairly lowers my score and blocks me from financial progress. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$92.00} Collection * * Law : FCRA 607 ( B ), 611 ( A ), FDCPA 809 ( B ) Issue : Collection account reported without validation Story : I never received any written validation or original documentation proving this debt is mine. Under the FDCPA and FCRA, debt collectors must provide verification before reporting. Reporting a collection without proof is inaccurate, misleading, and harmful. This has caused me to be denied opportunities due to a small, unverified balance. 

Inquiry : XXXX XX/XX/XXXX Law : FCRA 604 ( A ), 609 ( A ), 611 ( A ) Issue : Inaccurate inquiry damaging my file Story : I never applied for any credit through XXXX. This inquiry is unauthorized and negatively affects my report by making it appear I pursued credit when I did not. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

Company response to consumer: Closed with explanation