Consumer complaint received 2025-08-21 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 formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law/Issue : Reporting inaccurate and outdated address violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), requiring maximum possible accuracy Story : I have never lived at this address nor claimed it as a residence. Reporting this false address creates an incorrect history that may allow my file to be mixed with another consumer who lived there. This compromises my identity and exposes me to the risk of someone elses accounts being linked to me. I previously disputed this, and your investigation failed to provide verification from any reliable source. Continuing to report unverifiable addresses is a direct violation of my consumer rights under federal law. 
Instruction : Remove this address immediately from my file Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law/Issue : FCRA 609 ( a ) ( 1 ) grants me the right to know and dispute the source of information ; failure to delete unverifiable address violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ) Story : I have never resided at this location, nor have I ever used it for employment, mailing, or credit purposes. The inclusion of this address damages the accuracy and credibility of my consumer report by suggesting a false residency. This could lead to identity errors and wrongful account linkage. Your duty is to ensure that only accurate, verifiable data remains on file. Since you have failed to validate this information, it must be deleted. 
Instruction : Delete this address immediately as it can not be verified with permissible purpose Account CHARTER COMMUNI XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$290.00} Status : Collection Law/Issue : Reporting collections without contract validation violates FCRA 611 ( a ) and FDCPA 809 ( b ), as no proof of assignment or ownership has been provided Story : This collection account is being reported with no legal proof that XXXX Communications or any collection agency has the right to collect from me. No contract, no chain of assignment, and no statement showing I owe this balance has ever been provided. Reporting this account without evidence is unlawful because it gives the appearance of a valid debt when no such validation exists. False collections severely damage my creditworthiness and expose me to abusive practices. Without validation, this account is inaccurate and must be removed under the FCRA and FDCPA. 
Instruction : Delete this collection account immediately as it can not be verified lawfully I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief