Consumer complaint received 2025-10-02 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 regarding multiple serious inaccuracies on my credit report. These include incorrect addresses, charge-offs and collections that I do not recognize, falsely reported late payments, and unauthorized credit inquiries. These errors have caused me significant stress, potential financial harm, and misrepresentation of my credit history. I request an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) Incorrect Addresses : XXXX XXXX XXXX XXXX, CA XXXX This address has been reported on my credit file without my consent. I have never lived at this address. Its presence on my report creates confusion, misrepresents my residence history, and could lead to identity verification issues. It may also affect my eligibility for housing, loans, or other financial services. This is clearly an error that must be removed immediately Charge-Off Accounts : XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX This account is listed as a charge-off, but I have no knowledge of it. I never opened this account, never received any bills or statements, and have no obligation toward it. This accounts reporting is inaccurate and could severely damage my credit score and future lending opportunities. I demand complete deletion as it is unverifiable Late Payment Accounts ( Incorrect Reporting ) : XXXX  XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX I have always made payments on time. Reporting a late payment is false and misrepresents my financial responsibility. This error can negatively affect my ability to secure credit, loans, or employment in the future. I request immediate correction of this account to reflect accurate payment history XXXX  XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX The reported late payment is inaccurate. I have never missed a payment on this account. This error undermines my credibility as a responsible borrower and must be corrected to ensure my credit history is accurate XXXX  XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX This account is also incorrectly reported as having late payments. I dispute this claim, as all payments were made timely. The false reporting could negatively impact my interest rates, loan approvals, and financial reputation. Immediate correction is required Collections ( Unverified/Disputed ) : XXXX XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX I have no knowledge of this collection. I never received any validation notice or communication regarding this alleged debt. Its inclusion is inaccurate and damaging to my credit profile. I dispute this account entirely and request its removal from my credit report to prevent further harm Unauthorized/Erroneous Inquiries : XXXX  XX/XX/XXXX Unauthorized inquiry. I did not initiate this request, and its reporting is inaccurate and potentially fraudulent XXXX XX/XX/XXXX Unauthorized inquiry. I dispute this and request removal to restore accuracy to my credit report These inaccurate reports, false late payments, unverified collections, wrong addresses, and unauthorized inquiries have caused me distress, misrepresentation, and potential financial harm. I request CFPB intervention to ensure these items are corrected or removed promptly and that all reporting agencies comply with federal law Please confirm receipt of this complaint and provide updates regarding the investigation and resolution of these issues

Company response to consumer: Closed with non-monetary relief