Consumer complaint received 2025-10-28 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 complaint regarding multiple inaccurate items and violations appearing on my consumer credit report. These errors are causing severe harm to my credit profile and are in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other related consumer protection laws. I have previously disputed these items, yet the inaccuracies remain unresolved, indicating a failure to conduct a proper reinvestigation as required by law. The following details outline the errors and violations : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are not associated with me and must be permanently removed. Reporting false or unverifiable addresses is a clear violation of FCRA 609 ( a ) and 611 ( a ), as the bureau must only report accurate and verifiable identifying information. Maintaining wrong addresses creates data-mixing errors and violates my consumer privacy rights. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX This account is being reported with a late payment despite showing a XXXX balance. Under FCRA 607 ( b ) and 611 ( a ), the bureau must ensure the maximum possible accuracy of the information. Reporting a late payment on an account that no longer carries a balance is misleading and damaging. I request full reinvestigation and correction or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX This account is showing as charged off with no balance owed, which is inconsistent and unverifiable. The furnisher can not validate a charged-off status without proof of default or current ownership. This violates FCRA 623 ( a ) ( 1 ) ( A ) for inaccurate reporting and FCRA 611 ( a ) for failure to verify disputed data. I demand deletion for failure to substantiate this reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX This account duplicates similar reporting patterns found in other files and shows inconsistent data. The bureaus continued publication of this unverifiable charge-off is a violation of FCRA 607 ( b ) and 611 ( a ). No creditor should continue to furnish outdated or unverifiable derogatory data that negatively affects my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX  This reporting of a late payment is inaccurate as no current delinquency exists. Self-reported credit builder accounts must be reported in compliance with FCRA 607 ( b ) for accuracy and completeness. This negative data appears to be based on system error and not verified record, and thus must be deleted under FCRA 611 ( a ) ( 5 ). 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} Late Payment * * This federal account continues to report a late payment without proper validation. Federal student loans must be reported with precise accuracy per FCRA 623 ( a ) ( 2 ). Since no verified payment record or default notice has been provided to confirm this derogatory status, I request deletion or correction as mandated under FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Charge Off XXXX XXXX This alleged account from a debt buyer has no validation under my consumer profile. FCRA 611 and FDCPA 809 ( b ) both require the furnisher and bureau to confirm the accuracy of the data and ownership of debt before reporting. No documentation has been produced ; therefore, this account must be deleted immediately for noncompliance. 

In conclusion, the continued reporting of these inaccurate accounts, the false address, and unauthorized inquiry are clear violations of federal credit protection laws. I am demanding immediate investigation and correction of all the above-mentioned errors. The bureaus and furnishers have an obligation to maintain accurate data and ensure compliance with FCRA and FDCPA provisions. Please provide confirmation of deletion and reinvestigation results within the legal timeframe.

Company response to consumer: Closed with non-monetary relief