Consumer complaint received 2025-09-30 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 formal complaint to the CFPB because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been violated by the reporting of false addresses, inaccurate account information, and unauthorized inquiries. I never authorized or verified some of these records, and they are harming my credit profile, employment opportunities, and financial stability. I request a full reinvestigation and deletion of all inaccurate items listed below, and I am requesting CFPB to hold the credit reporting agencies and furnishers accountable under federal law. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$250000.00} Late Payment This account is being reported with late payments that are completely inaccurate and harmful. I have always maintained timely payments and have records that show no delinquency, yet your system continues to reflect false late marks. Such false reporting creates an impression of irresponsibility that is not true and unfairly damages my creditworthiness. Under FCRA Section 607 ( b ), you are obligated to ensure maximum possible accuracy, but your failure to correct this error despite previous disputes is evidence of negligence. Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishers from reporting information they know or should know is inaccurate, yet these false late payments remain. A late payment notation is one of the most damaging marks to a credit report, lowering scores, increasing interest rates, and creating obstacles for housing and employment opportunities. By allowing an incorrect delinquency history to remain, you are failing in your statutory duties and causing continued harm. This type of error can also lead to potential claims of defamation and liability under Section 616 and 617 of the FCRA for willful or negligent noncompliance. I am demanding that the late payment history be deleted or corrected to show accurate, on-time payments only. Continuing to allow this misinformation to remain will not be tolerated. I have the right to a fair and accurate credit report, and I insist this account be fixed immediately. If not, I will escalate this matter to the CFPB, state regulators, and legal counsel. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$7300.00} Chargeoff This account is listed as a charge-off, yet I have no knowledge of this account, never authorized or applied for it, and can not recognize any valid relationship with this creditor. Reporting a charge-off that is not mine is one of the most severe errors a bureau can make because it falsely implies I defaulted on an obligation. Such reporting is not only harmful but also unlawful under FCRA Section 602 and Section 607 ( b ), which require you to ensure fair and accurate reporting. By continuing to report this unverifiable account, you are damaging my reputation, credit score, and financial opportunities. A charge-off notation lowers credit scores dramatically and prevents me from obtaining fair access to credit, housing, and employment. Section 611 of the FCRA clearly requires that unverifiable information must be deleted from a consumers file, and this account can not be verified as belonging to me. I have disputed this item multiple times, yet it remains, showing willful disregard of your statutory duty. Allowing this account to remain also raises the concern of identity theft or mixed files, which you have an obligation to investigate and correct immediately. Reporting false debts violates Section 623 of the FCRA, which prohibits furnishers from reporting information known to be inaccurate. This account must be permanently deleted from my file as unverifiable. If you continue to report it, I will consider it a knowing violation of the law and pursue full remedies, including complaints and legal action for damages under Section 616 and 617.

I am requesting the CFPB to intervene and ensure that these inaccurate addresses, false account information, and unauthorized inquiries are removed from my credit report. The reporting agencies and furnishers have failed to follow the law, specifically FCRA 604, 607, 609, 611, and FDCPA 807, which clearly protect me as a consumer. These errors are not only damaging but unlawful, and I request immediate correction and deletion to restore the accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief