Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

Wrong Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Law : FCRA 607 ( b ) requires credit bureaus to maintain maximum accuracy. FCRA 611 requires unverifiable information to be deleted. 
Issue : This address is not mine, yet it is being reported as associated with me. It misrepresents my identity and creates risk of being linked to accounts or debts that are not mine. 
Story : I have never lived at this location, nor have I ever received mail, bills, or official documentation tied to this address. By reporting this false address, the bureau is violating my consumer rights under the FCRA. Leaving it on my credit file may lead to me being wrongfully associated with debts, fraudulent activities, or obligations that have no connection to me. This damages my creditworthiness, invades my privacy, and increases the chance of identity theft. The law requires you to delete this immediately if you can not provide verifiable proof that I resided here. 

Wrong Address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Law : FCRA 602 ( A ) and 607 ( b ). 
Issue : This is not a valid address for me. Its continued presence violates accuracy standards. 
Story : I never lived at this address, never applied for credit from here, and never had any business connected to it. Reporting this address suggests possible identity confusion or mixed files. This harms my reputation and creates the possibility that debts or inquiries belonging to someone else are being wrongfully tied to me. Since FCRA strictly prohibits unverifiable or inaccurate information, this address must be deleted at once. 

Account XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off Law : FCRA 607 ( b ) ( accuracy ), XXXX ( reinvestigation ), XXXX ( right to disclosure ). 
Issue : This charge-off is being reported without any verifiable contract, billing statements, or legitimate evidence that this account belongs to me. 
Story : I have no recollection of ever opening or agreeing to an account with XXXX. Without original documents such as a signed contract, account history, or payment records, this reporting is baseless and unlawful. Reporting a charge-off without proof damages my reputation, lowers my credit score, and may prevent me from accessing fair credit opportunities. Under the FCRA, the bureau must delete unverifiable accounts. If XXXX can not provide original documentation with my signature, this account must be removed immediately. 

Account CPW XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( b ), 611, and 602 ( A ). 
Issue : The reported late payment is inaccurate and unverifiable. No valid evidence has been provided to prove that this delinquency actually occurred. 
Story : I dispute this late payment because I have never received any official notice of delinquency tied to this account. Creditors are required to report accurate data, and without billing statements, due dates, and payment records, this claim can not be substantiated. False late payment reporting unfairly damages my payment history, which is one of the most important factors in my creditworthiness. By law, if the creditor can not prove this delinquency with valid records, the late payment must be deleted or the account corrected. 

XXXX XXXX XX/XX/XXXX Law : FCRA 604. 
Issue : Unauthorized. 
Story : I never applied for credit with this company. Delete this inquiry immediately. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief