Consumer complaint received 2025-12-24 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 complaint to formally dispute multiple inaccuracies, misleading reporting, and unauthorized credit inquiry appearing on my consumer credit reports. Despite my rights under federal law, these errors continue to be reported without proper verification, causing ongoing financial and reputational harm. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Address This address does not belong to me and I have no knowledge of it. 
Reporting incorrect personal information violates FCRA 1681e ( b ) and 1681i ( a ). 
I request immediate deletion of this address. 

XXXX XXXX XXXX / XXXX Acct # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reporting Late Payment * * The late payment history reported on this account is inaccurate and misleading. 
Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ), payment history must be reported with maximum possible accuracy. 
If this information can not be fully verified, it must be corrected or updated immediately. 

XXXX  XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reporting Late Payment * * I dispute the accuracy of the late payment reporting on this account. 
Failure to ensure accuracy violates FCRA 1681e ( b ) and 1681i ( a ). 
Please correct or update this information upon investigation. 

XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance : {$2700.00} | Charge-Off * * I have no knowledge of this account and do not recognize it. 
Reporting unverified charge-off information violates FCRA 1681e ( b ) and 1681i ( a ). 
If this account can not be fully verified, it must be deleted immediately. 

XXXX BANK Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1300.00} | Charge-Off * * This charge-off account is unfamiliar to me and I have no knowledge of it. 
Under FCRA 1681c ( a ), 1681e ( b ), and 1681i ( a ), unverifiable derogatory accounts must not be reported. 
Please delete this account if proper verification can not be produced. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$32000.00} | Charge-Off * * I dispute this account as I have no knowledge of it. 
Reporting inaccurate or unverifiable charge-off data violates FCRA 1681e ( b ). 
I request complete deletion if this account can not be verified. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3800.00} | Charge-Off * * This account does not belong to me to the best of my knowledge. 
Under FCRA 1681e ( b ) and 1681i ( a ), unverified charge-off accounts must be removed. 
Please delete this item if verification can not be provided. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$47000.00} | Charge-Off * * I do not recognize this account and have no knowledge of it. 
Reporting unverified charge-off information violates FCRA 1681c ( a ) and 1681e ( b ). 
I request immediate deletion. 

XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX * * This charge-off account is unfamiliar to me. 
Failure to verify this information violates FCRA 1681e ( b ) and 1681i ( a ). 
Please delete this account if it can not be fully verified. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off * * I have no knowledge of this account. 
Unverifiable reporting of derogatory information violates FCRA 1681e ( b ). 
I request deletion of this account. 

XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry and have no permissible relationship with this entity. 
Under FCRA 1681b ( a ), inquiries require a permissible purpose. 
If authorization can not be proven, this inquiry must be deleted immediately. 

These violations have negatively impacted my credit profile, increased risk of identity misuse, and caused financial stress. I am requesting CFPB oversight to ensure these matters are resolved promptly and lawfully.

Company response to consumer: Closed with non-monetary relief