Consumer complaint received 2025-11-20 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 because my credit report contains false addresses, unknown charge-offs, inaccurate late payments, unauthorized collections, and several hard inquiries I never approved. These errors violate my rights under FCRA 602 ( A ), 604 ( A ) ( 2 ), 607 ( B ), 609, 611, and 623 because the information being reported is neither accurate nor verifiable. I am requesting immediate review and correction. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX This address does not belong to me and reporting it violates 15 USC 1681e ( b ). No proof was provided linking me to this location during the previous investigation. This inaccurate address must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is not associated with me. Because you failed to present any documentation proving residency or connection, continued reporting violates the accuracy requirement under 15 USC 1681e ( b ). This address must be removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$230.00} | Chargeoff I have no knowledge of this account and no signed agreement or validation was provided. Reporting an unverified charge-off violates 15 USC 1681e ( b ) and 1681i since the creditor failed to show any proof of liability or permissible purpose. This account must be deleted for being inaccurate and unverified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment The late payment reporting is false because I have never been late on this account. Under 15 USC 1681e ( b ) the information must be accurate, and under 15 USC 1681i you must verify any negative reporting with original payment history, which was not provided. Update this account to reflect all on-time payments. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment This late payment is inaccurate. You failed to provide any documentation showing delinquency. As required by 15 USC 1681e ( b ) and 1681i, you must correct this account to show a perfect payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$510.00} | Chargeoff I have no knowledge of this account and no validation, contract, or proof of ownership was presented. Reporting a charge-off without proper verification violates 15 USC 1681e ( b ) and 1681i. This unverified account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$7100.00} | Collection This collection account is not mine and remains unverified. No proof of debt, original agreement, or chain of assignment was provided. Under 15 USC 1681e ( b ) and 1681i, an unverified collection must be removed. This item must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$11000.00} | Collection I do not recognize this account and nothing was provided showing liability. Reporting a collection without validation violates the requirements of 15 USC 1681e ( b ). This item must be deleted as it remains unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$110.00} | Collection This collection is unknown to me and your bureau failed to provide validation or proof of debt. Under 15 USC 1681i, any item that can not be verified through original documentation must be deleted. Remove this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$220.00} | Collection I have no knowledge of this account. No supporting documents were supplied during the first investigation. Continued reporting violates 15 USC 1681e ( b ). This account must be removed from my file. 

XXXX XXXX XXXX XXXX dated XX/XX/XXXX This inquiry was not authorized and violates 15 USC 1681b because no permissible purpose exists. Delete this inquiry immediately. 

XXXX XXXX dated XX/XX/XXXX I did not permit this inquiry. Reporting unauthorized access violates 15 USC 1681b. Remove it immediately. 

XXXX XXXX dated XX/XX/XXXX This inquiry is unauthorized. No documentation of permissible purpose was provided. Delete it under 15 USC 1681b. 

XXXX XXXX XXXX XXXX dated XX/XX/XXXX I did not authorize this inquiry. Under 15 USC 1681b, any inquiry without permissible purpose must be deleted. Remove this item immediately.

These errors harm my credit, violate FCRA 602 ( A ) and 607 ( B ), and show that unverifiable data is being reported. I request CFPB intervention, full reinvestigation, and deletion of all inaccurate, unauthorized, and unverifiable information immediately.

Company response to consumer: Closed with non-monetary relief