Consumer complaint received 2025-09-27 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 filing this complaint because my Equifax credit report is filled with inaccurate, unverifiable, and harmful information that violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). Equifax has reported false addresses, fabricated late payments, unverifiable charge-offs, fraudulent collections, an untrue bankruptcy, and multiple unauthorized inquiries. These errors are damaging my credit profile, creating obstacles in my financial life, and exist because Equifax has failed to follow its legal duties under the law. 

My file lists addresses that do not belong to me, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. These addresses have no connection to me and represent a serious violation of FCRA 607 ( b ), which requires maximum possible accuracy in credit reporting. The presence of these addresses creates confusion, mixed file risks, and identity problems, and they must be removed. 

My report also contains several accounts reporting false late payments that I have never madeXXXX XXXX XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX with a balance of {$650.00}, XXXX  XXXX account number XXXX opened on XX/XX/XXXX with a balance of {$9.00}, and XXXX  XXXX account number XXXX opened on XX/XX/XXXX with a balance of {$300.00} all show late payments that are completely untrue. These false derogatories violate FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate, and Equifax has failed in its obligation under FCRA 611 to reinvestigate and delete unverifiable information. 

There are also charge-off accounts that I do not recognize and that can not be verifiedXXXX XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX with a balance of {$1400.00}, XXXX XXXX  XXXX account number XXXX opened on XX/XX/XXXX with a balance of {$1500.00}, and XXXX XXXX XXXX XXXX  account number XXXX opened on XX/XX/XXXX with a reported balance of {$0.00} but still marked as a charge off are all inaccurate and misleading. These entries violate FCRA 609 ( a ) ( 1 ), which entitles me to know the source and method of verification of such information. Since Equifax has not provided this proof, these accounts should not be reported at all. 

My credit file also lists fraudulent collection accounts that I do not recognize and that have never been validated. XXXX XXXX  account number XXXX opened on XX/XX/XXXX with a high balance of {$700.00}, and XXXX XXXX  account number XXXX opened on XX/XX/XXXX with a high balance of {$580.00} are being reported against me with no proof of validity. Reporting third-party collections without proper verification violates both the FCRA and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). These accounts are unverified and unlawful to report, yet they remain on my file.

Even more damaging is the reporting of a bankruptcy that never existed. Equifax has listed XXXXXXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX, but I have never filed for bankruptcy in any court. This false public record is extremely harmful and violates FCRA 605 ( a ) ( 1 ), which prohibits consumer reporting agencies from including unverifiable public records in a file. This type of inaccuracy is devastating to my credit and is one of the most serious violations possible.

My report also contains numerous unauthorized inquiries that were not made with my consent. These include XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I never authorized these inquiries, and under FCRA 604 ( a ), a consumer report can only be accessed for permissible purposes. These inquiries are unlawful, harmful, and must be deleted immediately.

The combination of false addresses, inaccurate late payments, unverifiable charge-offs, fraudulent collections, an untrue bankruptcy, and unauthorized inquiries demonstrates that Equifax has failed to comply with FCRA 607 ( b ) by not assuring maximum possible accuracy, FCRA 611 ( a ) by not reinvestigating properly, and FCRA 609 ( a ) by not disclosing the sources of disputed information. These errors are causing me direct harm in the form of credit denials, higher interest rates, and severe reputational damage. If these matters are not resolved immediately, I intend to pursue further legal remedies for willful and negligent noncompliance under FCRA 1681n and 1681o.

I request that the CFPB intervene and require Equifax to conduct a lawful reinvestigation, delete all inaccurate and unverifiable information, and provide me with a corrected credit report that reflects only verified and accurate data.

Company response to consumer: Closed with non-monetary relief