Consumer complaint received 2025-08-22 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:
To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and harmful reporting on my credit file. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The errors below have caused significant harm to my creditworthiness, financial opportunities, and peace of mind. I demand immediate investigation, correction, and deletion of all unverifiable and incorrect information. 
XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This address has been falsely reported on my credit file. Law : FCRA Sections 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ) require accurate and verifiable personal information. Story : Because of this incorrect address, I have received misdirected bills, confusing credit inquiries, and even collection attempts for debts I never owed. I have spent hours clarifying my identity with multiple creditors, facing unnecessary stress and emotional distress. The false listing has negatively impacted my credit evaluations and caused repeated delays in securing loans. Immediate correction is demanded. 
XXXX XXXX XXXX, IN XXXX Wrong Address Issue : Falsely reported address. Law : FCRA Sections 607 ( b ) and 611 ( a ) mandate maximum possible accuracy of consumer reporting. Story : The persistent listing of this address has caused repeated confusion with lenders and collection agencies, leading to wrongful inquiries on my credit report. I have had to explain multiple times that I never resided here, which consumed significant time, created XXXX, and jeopardized my financial credibility. Immediate removal is required to prevent further harm. 
XXXX XXXX XXXXXXXX XXXX High Balance {$4800.00} Date Opened XX/XX/XXXX Chargeoff Issue : Account incorrectly reported as charged off. Law : FCRA Section 611 ( a ) requires that disputed information be properly investigated and corrected if inaccurate. Story : This incorrect chargeoff has caused a significant drop in my credit score, resulting in denied loan applications and higher interest rates. I have been forced to spend weeks trying to explain this erroneous entry to creditors, causing financial hardship and emotional stress. I demand verification of this account ; if unverifiable, the chargeoff notation must be removed immediately. 
XXXX XXXX XXXX High Balance {$4200.00} Date Opened XX/XX/XXXX Chargeoff Issue : Incorrect chargeoff reporting. Law : FCRA Sections 607 ( b ) and 611 ( a ) require maximum accuracy of credit reporting. Story : I never received proper notification of any delinquency or chargeoff, yet this entry now harms my credit. This misreporting has led to repeated denials of credit, stress in financial planning, and unnecessary XXXX  over my financial reputation. Immediate investigation and correction are required. 
XXXX XXXX XXXX High Balance {$17000.00} Date Opened XX/XX/XXXX Chargeoff Issue : Chargeoff inaccurately reported without verification. Law : FCRA Section XXXX ( a ) mandates verification before reporting negative items. Story : This false chargeoff has caused extensive damage to my financial standing, preventing access to credit and creating a constant burden in my attempts to manage my finances. It misleads lenders and unfairly penalizes me for actions I did not take. Verification and correction are demanded immediately. 
XXXX XXXX High Balance {$1800.00} Date Opened XX/XX/XXXX Collection Issue : Account inaccurately listed as a collection. Law : FCRA Sections 602 ( a ) and 611 ( a ) require accurate reporting and investigation of disputes. Story : This collection has caused undue stress, calls from collection agencies for a debt I do not recognize, and a drop in my credit score. It has disrupted my ability to obtain new credit and caused emotional and financial strain. Immediate verification and correction are demanded. 
XXXX XXXX XXXX XXXX High Balance {$110.00} Date Opened XX/XX/XXXX Collection Issue : Small balance collection inaccurately reported. Law : FCRA Section 611 ( a ) mandates that disputed entries be properly investigated. Story : This minor and unverifiable collection has been misrepresented as a major negative mark, leading to denied credit applications and causing unnecessary stress. The reporting is misleading and harmful, and I demand immediate investigation and removal if unverifiable. 
Conclusion These errors constitute clear violations of my consumer rights under FCRA and FDCPA. They are causing ongoing financial harm, emotional distress, and denial of opportunities. I request the CFPB to compel the credit reporting agencies and furnishers to investigate, delete unverifiable items, and ensure strict compliance with federal law.

Company response to consumer: Closed with explanation