Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate and harmful information being reported on my credit file. My rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, have been violated due to the inclusion of incorrect addresses, erroneous account reporting, and unauthorized/inaccurate inquiries. This is not only causing financial hardship but also impacting my emotional well-being and peace of mind. I have included all details below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX WRONG ADDRESS Issue : I have never lived at or been associated with this address Law : FCRA 1681e ( b ) requires maximum possible accuracy in credit files Story : This address appears on my credit report in error, possibly due to a file mix-up. I have no lease, utility, employment, or mail history at this location. The presence of this address could falsely link me to debts and accounts that are not mine. I demand its immediate and permanent deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX WRONG ADDRESS Issue : Not my residence, never linked to my identity Law : FCRA 1681c-2 Right to block inaccurate data or identity theft-related entries Story : I have never lived at or had any financial relationship tied to this address. This is damaging my creditworthiness by suggesting fraudulent activity. I demand deletion of this incorrect and unverified address. 
XXXX XXXX Acct : XXXXXXXX XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$510.00} LATE PAYMENT XXXX XXXX  Issue : Reported late despite active auto-pay Law : FCRA 1681s-2 Furnishers must report accurate info Story : I was enrolled in automatic payments. The account should reflect timely payments. The late remark caused a drop in my credit score, making loan approvals more difficult. I request validation or immediate removal. 
XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$830.00} CHARGEOFF * * Issue : Charged off without prior notice or debt validation Law : FDCPA 809 ( a ), FCRA 1681b Story : I did not receive any warning before this account was charged off. I never received a chance to dispute or resolve the amount. The reporting is unlawful if not validated. Please investigate and delete. 
XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$4300.00} LATE PAYMENT * * Issue : Late payment reported during medical hardship Law : FCRA 1681i Right to dispute and reinvestigation Story : During this period I was hospitalized and unable to make timely payments. I notified the creditor, yet they failed to accommodate or reflect this. This inaccurate record must be removed. 
XXXX Acct : XXXX * OPENED : XX/XX/XXXX HIGH BALANCE : {$3100.00} LATE PAYMENT * * Issue : Late report during a deferment agreement Law : CARES Act + FCRA 1681s-2 ( a ) ( 1 ) ( A ) Story : I was granted a deferment due to COVID-19 unemployment. Despite this, I was reported late, which is a breach of the agreed terms. I request deletion of the derogatory mark. 
XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$2500.00} LATE PAYMENT * * Issue : Inaccurate late mark shortly after account was opened Law : FCRA 1681c Story : No bills, reminders, or payment requests were received. This may be an error or fraud. I request validation or deletion. 
XXXX XXXX XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$32000.00} LATE PAYMENT * * Issue : Late reporting during agreed payment deferral Law : CARES Act + FCRA 1681s-2 Story : A deferral was agreed upon, but I was still marked late. This caused loan denials and insurance rate increases. Please correct or delete. 
XXXX XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$37000.00} CHARGEOFF * * Issue : Charge-off without communication or resolution attempt Law : FDCPA 809 ( b ), FCRA 1681b Story : I attempted to resolve the account before it went into charge-off. I was never informed or given a chance to cure the default. Please remove or validate this negative entry. 
XXXX Acct : XXXXXXXX XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$1600.00} CHARGEOFF * * Issue : Charge-off not validated or explained Law : FDCPA 809 ( a ), FCRA 1681e ( b ) Story : This debt was never properly communicated to me, and I suspect identity theft or account confusion. Please investigate and delete. 
XXXX XXXX Acct : XXXXXXXX XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$4000.00} CHARGEOFF * * Issue : Account settled, but shows charge-off with balance Law : FCRA 1681i Story : I paid a settlement on this account. The reporting of a charge-off with remaining balance is false and misleading. Please update or delete this account. 
XXXX XXXX XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$580.00} COLLECTION * Issue : Never notified or validated Law : FDCPA 809 Story : I was never contacted by this collector. This is unverified and unlawful to report. Please remove. 
XXXX XXXX XXXX Acct : XXXX * OPENED : XX/XX/XXXX HIGH BALANCE : {$3400.00} COLLECTION * * Issue : Duplicate, unvalidated collection Law : FCRA 1681e ( b ), FDCPA 809 Story : This account appears to be a duplicate of another already on my report. I was not notified or offered validation. Please delete this entry. 
XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$1000.00} LATE PAYMENT * * Issue : System error delayed payment, not borrower fault Law : FCRA 1681e ( b ) Story : A holiday weekend delayed bank transfer. I had funds available. This technical delay shouldnt be held against my credit history. Please remove. 
XXXXXXXX XXXX  Acct : XXXX * OPENED : XX/XX/XXXX HIGH BALANCE : {$3400.00} COLLECTION * * Issue : Duplicate of earlier XXXX entry Law : FCRA XXXX Duplicate tradeline reporting not allowed Story : Please remove duplicate XXXX XXXX entry. This causes unnecessary harm to my report. 
XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$580.00} COLLECTION * * Issue : Unknown debt, never contacted Law : FDCPA 809 Story : I have no knowledge of this account. If the debt collector cant validate, it must be removed immediately.

UNAUTHORIZED HARD INQUIRIES Issue : I did not authorize the following hard inquiries Law : FCRA 604 Inquiries must have permissible purpose Story : These inquiries damaged my credit and were made without my consent. I demand each be investigated and removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these entries must be removed unless the furnisher can provide written evidence that I authorized the inquiry. 
These errors collectively demonstrate a systemic failure in maintaining, verifying, and reporting accurate credit information, which violates multiple sections of both the FCRA and FDCPA. I respectfully request immediate reinvestigation of all disputed items, removal of inaccurate data, and a written response acknowledging receipt and actions taken per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to respond within the 30-day window mandated under federal law will result in further actions, including escalation to the FTC and seeking relief through legal representation.

Company response to consumer: Closed with non-monetary relief