Consumer complaint received 2025-07-31 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX LAW : FCRA 602, 611, 607 ( b ) ISSUE : This address is inaccurately listed on my credit file and I have never resided at or used this address for any financial application. 
STORY : I have no association with this address in any personal, residential, or financial capacity. The continued reporting of this false address is misleading and may indicate potential identity confusion or fraud. I am requesting the immediate deletion of this unverifiable address.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LAW : FCRA 611, 609 ( a ) ( 1 ), FDCPA 807 ( 8 ) ISSUE : This charge-off is reported inaccurately and remains unverifiable. 
STORY : I never received proper notice of charge-off nor was the debt validated. There are discrepancies in balance and date reporting. I request verification or immediate deletion under FCRA rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAW : FCRA 611, 609, FDCPA 807 ISSUE : Account is outdated and unverifiable. 
STORY : The balance and timeline do not match my records. No communication has been provided to validate this debt and I am disputing its accuracy and completeness. Reinvestigation is required. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LAW : FCRA 609 ( a ) ( 1 ), 611 ISSUE : This account shows a charge-off without validation or complete data. 
STORY : I do not recognize this lender and the debt details are vague. There was no proper validation or response to prior inquiries. Please verify or delete. 

XXXX XXXX XXXX XXXX XXXX  LAW : FCRA 611, 609 ( a ) ( 1 ) ISSUE : Late payment reported inaccurately and without validation. 
STORY : I have made consistent payments and was not made aware of any delinquency. The late payment appears to be erroneous and I am requesting correction after proper reinvestigation. 

XXXX XXXX XXXXXXXX LAW : FCRA 611, 607 ISSUE : Account charged-off and listed as {$0.00} balance with incomplete verification. 
STORY : This lender has not provided adequate evidence of debt, timeline, or charge-off justification. I dispute the validity of this account and demand deletion if unverifiable. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

Company response to consumer: Closed with explanation