Consumer complaint received 2025-09-08 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:
This is my formal complaint regarding inaccurate, unverifiable, and unauthorized information being reported on my credit file. Despite prior disputes, the credit bureau and furnishers continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) by reporting false addresses, unverifiable charge offs, improper collections, and unauthorized inquiries. These actions are in direct violation of federal law and have caused severe harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau to intervene and enforce immediate correction or deletion of these items. 
Addresses XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX This address is being falsely reported and linked to accounts that are not mine. There has been no lawful proof such as a lease or utility bill to show I resided here. Reporting unverifiable addresses violates FCRA 607 ( B ) which requires maximum possible accuracy. 
Law : FCRA 607 ( B ), FCRA 611 XXXX XXXX XXXX, XXXX, CA XXXX This address has been incorrectly tied to my report. I never resided here, and attaching this address creates false associations with negative accounts. The bureau failed to verify with proper documentation. 
XXXX : FCRA 611, FCRA 609 Accounts XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$3600.00} Charge Off This account is reported as a charge off, but no original signed contract, billing statements, or assignment records have been provided. Reporting debt without verification is unlawful and materially harmful. 
XXXX : FCRA 611, FCRA 623 XXXX XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1300.00} Charge Off This negative account is unverifiable. No competent evidence has been produced to prove its accuracy. Furnishers must only report data that can be verified. 
Law : FCRA 607 ( B ), FCRA 623 XXXX XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$750.00} Charge Off This appears as a duplicate entry of the same account, inflating derogatory data on my report. Duplicate negative reporting is misleading and unlawful. 
Law : FCRA XXXX ( B ), FCRA 611 XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$7200.00} Charge Off This charge off has not been validated with lawful documentation. Without proof of liability, it remains inaccurate. 
XXXX : FCRA 611, FCRA 623 XXXX FUNDING XXXX Date Opened XX/XX/XXXX High Balance {$6300.00} Collection This is a third-party debt buyer that has not proven ownership or assignment of the alleged account. Reporting a collection without validation is a direct violation of both FCRA and FDCPA. 
XXXX : FCRA 611, FDCPA 809 ( b ) XXXX XXXXXXXX Date Opened XX/XX/XXXX High Balance {$1600.00} Collection This collection is unverifiable. No contract, chain of title, or assignment records have been produced. This furnisher is reporting without proof, which is unlawful. 
XXXX : FCRA 623, FDCPA 809 ( b ) Inquiries COLISEUMLE XX/XX/XXXX This is a duplicate inquiry, further harming my report without cause. 
Law : FCRA 607 ( B ), FCRA XXXX TMCC XX/XX/XXXX I never authorized this inquiry. It is unlawful and unverifiable. 
Law : FCRA 604 I am requesting the CFPB to enforce the law and require the credit bureau and furnishers to provide strict documentation verifying these items or permanently delete them. Each disputed address, account, and inquiry listed above remains unverified, inaccurate, and damaging to my consumer rights. If compliance is not enforced, I am prepared to escalate this matter further for willful violations of federal law.

Company response to consumer: Closed with non-monetary relief