Consumer complaint received 2025-11-21 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:
This complaint is being filed because XXXX  is reporting multiple false addresses false accounts false late payments false charge offs duplicate collections and unauthorized inquiries on my credit report which has caused severe financial and emotional harm I am the victim of inaccurate reporting and XXXX  has failed to maintain reasonable procedures under FCRA 607B failed to ensure maximum possible accuracy under FCRA 602A failed to verify accounts under FCRA 611 and failed to maintain proper reinvestigation and record-keeping standards I am requesting immediate investigation action and enforcement by the CFPB because XXXX  continues reporting items that do not belong to me even after multiple disputes WRONG ADDRESSES XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never lived here and I have no connection to this location reporting it is false and puts my identity at risk and violates FCRA 607B XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address this address is not mine and keeping it on my file indicates improper file mixing which Experian is responsible to correct under the law ACCOUNTS ( ISSUES UNDER EACH ITEM ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed XXXX Late Payment this late payment status is completely false I have never made late payments and the history is inaccurately reported I demand correction not deletion because this information is wrong and unverified XXXX  XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed XXXX Charge Off I have no knowledge or recollection of this account I never authorized it and I dispute the accuracy and ownership of this item remove it immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed XXXX Charge Off I do not recognize this account and never had any agreement with this creditor this is fraudulent and must be deleted immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed XXXX Collection I have no knowledge of this alleged debt this account is unverified and improperly reported delete it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed XXXX Collection same account appearing multiple times with different balances indicates serious file errors and improper reporting I do not owe this debt remove it XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance Owed XXXX Collection I do not owe this debt and have no record of any account with this creditor remove it immediately INQUIRIES ( UNAUTHORIZED ) XXXX XX/XX/XXXX Inquiry remove unauthorized I am requesting CFPB intervention because XXXX  has failed to follow the law failed to verify accounts failed to remove false information and failed to correct errors despite my disputes I am asking the CFPB to investigate XXXX  for violations of FCRA 602A 607B 609 611 and 623 and require XXXX to remove all inaccurate items including wrong addresses false late payments unknown charge offs fraudulent collections duplicate accounts and all unauthorized inquiries I also request enforcement action penalties and compliance review against XXXX  for repeated negligence that continues to harm me financially and emotionally

Company response to consumer: Closed with non-monetary relief