Consumer complaint received 2025-07-29 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 the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting XXXX intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Law Issue : FCRA 602 A, 607 ( b ), 611 ( a ) No permissible purpose, unverifiable, outdated or never lived at Story : This address is being falsely reported under my credit profile. I have never resided at this address nor have I authorized any creditor to report it in connection with my identity. Its continued presence violates my rights under the FCRA as this data can not be verified through proper sources. 
Instruction : Delete this address from my credit profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Chargeoff XXXX XXXX  Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), FDCPA XXXX ( XXXX ) Charge-off is inaccurate and unverified Story : This account has been charged off incorrectly. The balance is incorrect, the reporting lacks validation, and I have not received proper notice or opportunity to validate the debt. 
Instruction : Delete this charge-off entry immediately or provide complete verification documents. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Chargeoff XXXX XXXX Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), FDCPA 809 ( b ) Debt not validated, incorrect status Story : This charge-off is inaccurate. I requested debt validation which was never honored. The account reporting lacks transparency and violates due process under FCRA and FDCPA. 
Instruction : Delete this item unless verified with original contract and payment breakdown. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Chargeoff XXXX XXXX  Law Issue : FCRA XXXX ( a ), FDCPA XXXX Inaccurate status and misleading information Story : I was not notified of this charge-off nor given a chance to cure or dispute it. This is inaccurate and damaging. 
Instruction : Remove or fully verify with original application, terms, and validation of debt. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Late Payment XXXX XXXX Law Issue : FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), 611 ( a ) Late payment inaccurately reported or outdated Story : This late payment is inaccurate or misdated. The payment may have been received on time or is being reported multiple times. I request a re-review with payment proof. 
Instruction : Correct or delete this late payment entry. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), FDCPA 807 Balance is XXXX, yet listed as charge-off Story : This account shows a {$0.00} balance yet is reported as charged off, which is misleading and damaging. 
Instruction : Remove this account immediately or correct the tradeline to reflect a closed account in good standing. 

These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief