Consumer complaint received 2025-09-15 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: LA

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS This is a duplicate version of the previous address and continuing to report it shows a lack of proper data hygiene. FCRA 607 ( b ) obligates you to assure the accuracy and eliminate duplicates that misrepresent my address history. Having this address listed twice increases the likelihood of inaccurate account matching and credit score damage. Please perform a thorough investigation and delete this duplicate address immediately if no hard proof exists that I authorized it. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX WRONG ADDRESS This apartment address is not and has never been connected to me. I did not apply for credit, live at, or receive mail at this location. Under FCRA 611 ( a ) ( 1 ), a reasonable reinvestigation requires more than an automated response you must contact the furnisher and obtain signed proof or verifiable documentation that I occupied this address. If you can not produce this evidence, the law requires deletion. Please update my credit report and permanently remove this wrong address. 

ACCOUNTS XXXX XXXX XXXX XXXX  CHARGE OFF XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4100.00} This tradeline is reporting a charge-off that I do not recognize as accurate. I am requesting proof of the original account agreement, every payment and delinquency date, and verification of the date of first delinquency that led to this charge-off. Without this information, the account is unverifiable and must be deleted under FCRA 611. The balance appears inflated, which may violate FCRA 607 ( b ) accuracy requirements. Reporting inaccurate or outdated information is not permitted and may be considered negligent under FCRA 623 ( a ) ( 1 ) ( A ). I request immediate correction or deletion. 

XXXX XXXX XXXX XXXX  CHARGE OFF XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$6100.00} This account is very old and may be reporting past the FCRA 605 ( a ) seven-year limit from the date of first delinquency. You are required by law to provide the exact date of first delinquency and confirm whether this account is still legally reportable. If the account has aged beyond the allowable reporting period, it must be deleted. Continuing to report beyond the statute period is a violation of FCRA and causes ongoing harm to my credit file. If you can not provide documentation from the furnisher that shows why this account remains, you are obligated under FCRA 611 and 623 ( b ) to remove it. 

INQUIRIES XXXX XXXXXX/XX/XXXX This inquiry was not initiated or authorized by me, and I never gave written or electronic consent to pull my credit. The presence of this inquiry is a violation of FCRA permissible purpose rules. Provide proof of permissible purpose such as a credit application, IP address, and date/time stamp that verifies I requested this inquiry. If such proof can not be provided, delete it immediately to restore the accuracy of my credit report. 

XXXX XX/XX/XXXX I never authorized XXXX to access my credit file. Under FCRA 611 ( a ), you must conduct a reasonable reinvestigation and verify that this inquiry was made with proper authorization. Provide proof of permissible purpose or remove this inquiry immediately. Continuing to report an unauthorized inquiry after a dispute is a violation of federal law and can be considered willful noncompliance. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

Company response to consumer: Closed with non-monetary relief