Consumer complaint received 2025-10-07 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 formal dispute regarding multiple inaccuracies on my credit report that are severely damaging my financial reputation, creditworthiness, and ability to access fair lending. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p, all credit reporting agencies and furnishers are legally obligated to provide accurate information and to investigate disputes. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Wrong Address I have never resided at this location. Including this address on my credit report can result in fraud, identity theft risk, and misrepresentation of my credit history. I demand its immediate removal. FCRA Section 623 ( a ) ( 1 ) requires furnishers to provide accurate information. 
XXXX XXXX XXXX, XXXX, CA, XXXX Wrong Address This XXXX XXXX is unrelated to me. Its reporting could mislead creditors into believing I have received statements or notices at this address. I demand correction and removal as mandated under FCRA Sections 609, 611, and 623. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$9900.00} Charge Off I have no knowledge of this account and have never authorized or opened it. The reporting of this charge-off is completely inaccurate and appears to be fraudulent. Under FCRA Section 611, I demand a full investigation, verification of the account, and deletion if verification can not be provided. Reporting unverified accounts is a violation of Sections 1681i and 1681e ( b ) and can be considered reckless reporting. 
XXXXXXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX High Balance {$10000.00} Charge Off This account is unknown to me. I have never entered into any agreement with this creditor, made any payments, or authorized its opening. Its inclusion as a charge-off is fraudulent and misleading. I demand immediate deletion. Such reporting constitutes a material violation of FCRA and could be subject to legal action under FDCPA for reporting inaccurate debt information. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$4000.00} Charge Off I have no association with this account. It has never been opened, authorized, or used by me. Its reporting as a charge-off is false, misleading, and damaging. I demand removal under FCRA Sections 609, 611, and 623, as continued reporting of unverified information is unlawful. 
XXXX XXXX Open Date XX/XX/XXXX High Balance {$2000.00} Late Payment I have never missed a payment on this account. The reporting of a late payment is completely false, misleading, and damaging to my credit reputation. I demand immediate correction of this payment history to accurately reflect my on-time payment record. FCRA Section 611 ( a ) ( 1 ) ( A ) requires investigation of disputed information, and furnishers must report accurate data under Section 623 ( a ) ( 1 ). 
XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX High Balance {$0.00} Late Payment I have never missed a payment to this department. Reporting a late payment is entirely false, misleading, and damaging to my credit reputation. I demand immediate correction of this accounts payment history to accurately reflect timely payments as required under FCRA Section 611 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 1 ). 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$350.00} Collection I have no knowledge of this account and never authorized or used this service. Reporting this account as a collection is inaccurate, potentially fraudulent, and violates FCRA Sections 609, 611, and 623. I demand deletion of this account immediately. 
XXXX XX/XX/XXXX Inquiry I did not authorize this hard inquiry. FCRA Section 604 ( a ) ( 3 ) requires that inquiries only occur with my explicit consent. This inquiry is unauthorized, violates my rights, and must be removed from my credit report immediately. 
XXXX XX/XX/XXXX Inquiry This hard inquiry is unauthorized. I never applied for credit with this entity. Its presence on my report is false, misleading, and unlawful under FCRA Section 604 ( a ) ( XXXX ). I demand deletion. 
XXXX XX/XX/XXXX Inquiry I have no knowledge of this credit check and did not authorize it. Reporting unauthorized inquiries is a violation of my FCRA rights and must be removed. 
Attached are copies of my identification and supporting documentation. I demand a full investigation and correction or deletion of all disputed items within the 30-day period required under law. Failure to comply will leave me with no choice but to pursue all available legal remedies, including claims under FCRA and FDCPA, and reporting violations to appropriate state and federal authorities. 
I expect swift and legally compliant action to correct these errors and restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief