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: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple serious inaccuracies and unlawful reporting practices. These violations are not minor mistakesthey directly violate my rights under the Fair Credit Reporting Act ( FCRA ) and are causing me ongoing financial and personal harm, including credit denials, inflated interest rates, and reputational damage. Despite my disputes, the credit reporting agencies and furnishers have failed to ensure maximum possible accuracy as required by federal law.

Below, I have outlined each inaccurate or unlawful item being reported : Wrong Address Address : XXXX XXXX XXXX XXXX XXXX, CA, XXXX Issue : Wrong Address Law Violated : FCRA 607 ( b ) Duty to assure maximum possible accuracy.

Story : I have never lived at or been associated with this address. Reporting this false address creates misleading associations and exposes me to risks of identity theft. Its continued reporting is inaccurate and unlawful.

Charge-Off Accounts Creditor : XXXX XXXX Acct. XXXX Issue : Charge-Off reporting without proper verification Law Violated : FCRA 609 ( a ) ( 1 ) ( right to request all information ), FCRA 623 ( a ) ( 1 ) ( A ) ( no reporting of known inaccuracies ) Story : This account is reported as a charge-off with a balance of {$4300.00}. I dispute this item because no original signed agreement, account statements, or full payment history has been provided to validate the debt. Without proper verification, it is unlawful to continue reporting. 

Creditor : XXXX XXXX XXXX XXXX Acct. XXXX Issue : Charge-Off reporting without proper verification Law Violated : FCRA 609 ( a ) ( 1 ), FCRA 623 ( a ) ( 1 ) ( A ) Story : This account is reported as a charge-off with a balance of {$18000.00}. I dispute its accuracy and validity. Until verifiable documentation such as the original signed contract and itemized payment history is provided, this item can not legally remain on my report.

Creditor : XXXX XXXX XXXX Acct. XXXX Issue : Charge-Off reporting without proper verification Law Violated : FCRA 609 ( a ) ( 1 ), FCRA 623 ( a ) ( 1 ) ( A ) Story : This account is reported as a charge-off with a balance of {$11000.00}. I dispute this item in its entirety. Neither the furnisher nor the bureau has provided sufficient evidence to validate the debt. Continued reporting without proper verification violates federal law. 

Hard Inquiries Creditor : XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law Violated : FCRA 604 ( a ) ( 3 ) Permissible purpose required for inquiries Story : This appears to be a duplicate inquiry made on the same date as other entries. Duplicate inquiries are inaccurate, misleading, and harmful to my credit standing. They must be removed immediately. 

Creditor : XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law Violated : FCRA 604 ( a ) ( 3 ) Story : This inquiry was not authorized by me, and no permissible purpose has been demonstrated. Reporting unauthorized inquiries violates federal law and harms my credit profile.

Conclusion & Relief Requested These inaccuracies represent willful and negligent violations of the FCRA. I am demanding that the CFPB take immediate action to : Compel the credit bureaus and furnishers to properly investigate these disputes.

Require removal of all unverifiable, inaccurate, and unauthorized items.

Ensure compliance with FCRA 607 ( b ), 609 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), and 604 ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief