Consumer complaint received 2025-10-10 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 dispute and complaint regarding multiple inaccurate and unauthorized entries on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Several collection accounts are reported that I have no knowledge of, and numerous hard inquiries were made without my authorization. These inaccuracies are materially misleading, negatively affect my creditworthiness, and violate my federal rights. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, are similarly false. I have never lived at these addresses, and their reporting on my credit file misrepresents my personal and financial history. FCRA Section 611 grants consumers the right to have inaccurate information corrected promptly. The continued listing of these addresses could expose me to identity confusion or potential fraud. 
XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$0.00}, is completely unknown to me. I have never opened, used, or authorized this account. Reporting an account I have no knowledge of as a charge-off is a violation of FCRA Sections 602 and 611 and may constitute negligent or fraudulent reporting. I demand immediate deletion of this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$430.00}, is similarly unknown to me. I never authorized or maintained this account, yet it is reported as a charge-off. This false reporting is inaccurate and misleading, and under FCRA, I am entitled to prompt correction or removal. XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$1400.00}, is also unfamiliar to me. Its reporting as a charge-off without my knowledge violates my rights and is materially misleading. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  are all accounts I do not recognize. Each is reported as a charge-off, with balances of {$0.00}, yet I have no knowledge of these accounts ever existing. Reporting unknown accounts as delinquent misrepresents my creditworthiness, constitutes inaccurate reporting under 15 U.S.C. 1681s-2 ( b ), and must be removed immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$0.00}, is reported with late payments. I have never missed a payment on this account. The reporting of late payments is false, misleading, and violates my rights under FCRA Section 623 ( a ) ( 2 ). It damages my credit profile and misleads potential creditors about my financial responsibility. I demand correction of the payment history to accurately reflect timely payments. 
XXXX XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$360.00}, is entirely unknown to me. I have no knowledge of ever opening or authorizing this account. Reporting an account I have no connection with constitutes a violation of FCRA Sections 602 and 611. The presence of this account misleads lenders and creates a false impression of my financial behavior. I demand immediate deletion of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$650.00}, is also unfamiliar to me. I have never entered into any agreement with this entity, nor have I authorized its reporting on my credit file. The inaccurate listing of this account is materially misleading and violates my rights under 15 U.S.C. 1681s-2 ( b ). I request prompt removal. 
XXXX XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with balances reported as {$2700.00}, {$1200.00}, and {$340.00}, are all accounts I do not recognize. Multiple entries of the same account with varying balances indicate gross reporting errors and potentially fraudulent activity. FCRA Section 611 requires the credit reporting agencies to investigate and ensure accurate reporting ; therefore, these entries must be investigated and deleted immediately if unverifiable. 
XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1100.00}, is another account unknown to me. The reporting of this account as a collection is false and violates the FCRAs requirement that only accurate and verifiable information be included in a consumers credit report. I demand that this account be removed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$580.00}, is not recognized by me. The inclusion of this account in my credit report is misleading and constitutes inaccurate reporting. Under FCRA Section 611, I am entitled to have this account deleted unless it can be proven to be accurate and authorized by me. 
XXXX  Date : XX/XX/XXXX I did not authorize this inquiry. Request immediate removal. 
XXXX  Date : XX/XX/XXXX Unauthorized. FCRA requires deletion of unverifiable inquiries. 
Each of these collection accounts and inquiries causes material harm to my credit profile, misleads potential lenders, and may constitute violations of the FCRA. I request that CFPB conduct a thorough investigation, ensure corrections or deletions are made promptly, and provide written confirmation of all actions taken.

Company response to consumer: Closed with non-monetary relief