Consumer complaint received 2025-09-09 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 with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX This address is not now and has never been associated with my personal residence or financial profile. I have never lived at or conducted any business from this location. By continuing to include it on my report, you are misrepresenting my identity and exposing me to the risk of mixed files or fraudulent association. The FCRA clearly requires that only accurate and verifiable information be reported, and this address fails both standards. Its presence creates confusion and damages my ability to maintain a clean credit history. I demand that it be permanently removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is another false address attached to my report without any legal or factual basis. I have no record of ever residing or doing business at this location, and therefore its continued appearance is a violation of federal reporting requirements. Reporting false addresses is highly misleading to lenders and may cause wrongful credit decisions against me. Under FCRA 611, you are required to conduct a reasonable reinvestigation, and the continued presence of this address shows that obligation has not been met. I require immediate deletion of this entry to maintain compliance with the law. 

Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} This account is being reported with late payments that I fully dispute as false and unverifiable. I have never been provided any legitimate billing statements, signed contract, or original records proving that the alleged late payments actually occurred. Without documentation from the original creditor, these negative marks violate my rights under FCRA 611, which requires a reasonable reinvestigation and deletion of unverifiable data. Reporting a balance of over {$14000.00} with unverified late payments creates severe damage to my creditworthiness and misleads potential lenders. The law requires accuracy and fairness, and yet this account is shown in a way that is inconsistent and harmful. If you can not provide full validation with complete records, this account must be deleted immediately to restore compliance. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$8.00} This account is highly questionable as it reports a balance of only {$8.00} yet is still showing late payment history. It is unreasonable and unlawful to report such a minor balance as delinquent without providing proof of actual default. The FCRA requires fair and accurate reporting, and there is nothing fair about damaging my credit for such a small disputed amount. I have not received any original signed agreement, billing history, or notice of delinquency from the creditor. The absence of such evidence proves the account can not be verified. Under 611, if you can not validate the late payment with full supporting documentation, the derogatory information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} This account is being reported as a charge-off, which I fully dispute as inaccurate. I have not been provided with original contractual documents, account statements, or any verifiable proof that justifies this charge-off. Reporting an account as charged off is a very serious derogatory mark, and it can not be left on a file without strict proof. The FCRA mandates that unverified or unverifiable information must be removed, and in this case, the creditor has failed to provide validation. Reporting such an account without evidence damages my ability to obtain credit, employment, or housing. Unless you can present complete documentation from the creditor proving the accuracy of this charge-off, the account must be deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is being reported with late payments even though it shows a XXXX balance and closed status. The reporting is inconsistent and misleading, violating FCRA 607 ( b ). A closed account with no balance should not continue to harm my credit file with derogatory marks unless there is absolute proof of verified delinquency. I have never been provided original billing statements or contract documentation showing the alleged late payments. Instead, only unverifiable data is being reported, which is unlawful under FCRA 611. I dispute this account fully and demand deletion if proper validation can not be provided. Continuing to report false late payments misrepresents my consumer history and violates my legal rights. 

Inquiries XXXX XX/XX/XXXX This inquiry is unauthorized and does not reflect any application I made. Reporting such an entry is misleading and unfair, violating my rights under FCRA 604. It lowers my score and presents a false image of my behavior. For compliance with federal law, this inquiry must be removed. 

XXXX  XX/XX/XXXX This inquiry is false, unauthorized, and unlawful. I never granted permission to XXXX to access my report, and therefore it has no permissible purpose. Reporting it creates harm and misrepresentation. The FCRA requires deletion of unverifiable inquiries, and this one must be removed. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was never authorized, and I dispute its legitimacy. I did not apply for credit with this entity, making its presence unlawful under FCRA 604. It harms my credit by suggesting activity that never occurred. I request its immediate deletion in compliance with federal law. 

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

Company response to consumer: Closed with non-monetary relief