Consumer complaint received 2025-09-05 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 CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

Address Disputes : XXXX XXXX XXXX, XXXX, CA XXXX I have no legal or financial connection to this property. It has never been my residence, and I have never authorized its reporting. Listing it inaccurately on my credit report misrepresents my credit profile and may influence lending decisions. FCRA Section 611 ( a ) requires credit bureaus to maintain reasonable procedures to ensure accuracy. Previous reinvestigations did not verify this address. I request that this address be permanently removed unless valid documentation proves my association. Maintaining this error violates FCRA Section 623 ( a ) ( 2 ). 

XXXX XXXX, XXXX, CA XXXX This address is not associated with me in any way, and I have never resided there. Its reporting misleads potential creditors and negatively affects my credit standing. Under FCRA Section 609 ( a ) ( 1 ), I am entitled to request verification of all personal information reported. Previous reinvestigations failed to substantiate this information. I demand deletion or correction of this address to prevent harm to my credit profile. The ongoing reporting of inaccurate addresses violates FCRA Section 611 ( a ) by failing to ensure maximum accuracy. 

Account Disputes : XXXX XXXX XXXXXXXX XXXX  High Balance : {$15000.00} Opened : XX/XX/XXXX Chargeoff This account is inaccurately reported as charged off. I have documentation including statements, payment history, and correspondence showing that my account was in good standing or properly managed. The reported charge-off does not reflect my true payment history or the account status. FCRA Section 623 ( a ) ( 8 ) requires furnishers to provide only accurate information. The repeated failure to correct this error despite prior disputes demonstrates a lack of reasonable procedures under FCRA Section 611 ( a ). Reporting this inaccuracy harms my credit profile, misleads creditors, and negatively impacts lending decisions. I demand full deletion until the information can be properly verified and substantiated. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$15000.00} Opened : XX/XX/XXXX Late Payment This account is reported with a late payment that is inaccurate. My payment history demonstrates timely payments without delinquencies. Furnishing this incorrect information violates FCRA Sections 611 and 623 because it is both inaccurate and unverifiable. Prior rounds of dispute failed to resolve this error, and it continues to negatively impact my credit score and lending potential. I request a full reinvestigation including verification with the original creditor, and permanent deletion if the reported late payment can not be validated. The continued misreporting demonstrates failure to maintain reasonable procedures and accountability under FCRA Section 611 ( a ). 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

Company response to consumer: Closed with explanation