Consumer complaint received 2025-07-12 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:
To Whom It May Concern, I am submitting this formal complaint against Equifax for multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Equifax is reporting inaccurate, unverifiable, and unauthorized data on my credit report, including false tradelines, invalid inquiries, and addresses that do not belong to me. Despite prior disputes, Equifax has failed to correct or delete these items as required by federal law. 

Below is a full summary of the disputed information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Issue : Charge-off with unverifiable balance and no documentation Law Violated : FCRA 607 ( b ) ; 611 ( a ) Story : I never received notice or verification of this charge-off. Equifax has not provided any account-level documentation. Reporting unverifiable negative data is a clear violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Issue : Charge-off reported without validation or consumer notification Law Violated : FDCPA 809 ( b ) ; FCRA 623 ( b ) Story : This account was reported as charged off without any validation. I was never informed or given a chance to dispute the debt. This violates both the FCRA and FDCPA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : Collection account placed without proof or verification Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 807 Story : This collection was added to my report without any prior validation or ownership proof. I dispute this debt and demand its deletion unless full documentation is provided. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : Collection reported after ignoring validation request Law Violated : FDCPA 809 ( b ) ; FCRA 611 Story : I sent a written validation request, but no documentation was provided. Equifax is unlawfully reporting this debt despite a lack of evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$460.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : Third-party debt listed without legal right or proof Law Violated : FDCPA 809 ( a ) ; FCRA 611 Story : This account was bought by a third party and added to my report without any proof of ownership, balance, or validation. It must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$360.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Issue : Unknown charge-off with no record or prior notice Law Violated : FCRA 623 ( b ) ; FDCPA 809 Story : I have no knowledge of this XXXX account and never received a bill or validation letter. It was added to my report illegally and must be removed. 

XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Status : Inquiry Issue : Unauthorized credit inquiry Law Violated : FCRA 604 ( a ) ( 3 ) Story : I did not authorize this business to check my credit. This inquiry is unlawful and must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : Inquiry Issue : Hard inquiry conducted without consumer consent Law Violated : FCRA 604 ( a ) Story : I never applied for credit or gave permission for this inquiry. It is unauthorized and harmful to my score. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : Inquiry Issue : No permissible purpose for credit access Law Violated : FCRA 604 ( a ) ( 3 ) Story : This credit union had no legal basis to access my report. I did not initiate this inquiry and request its immediate deletion. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Inaccurate personal address Law Violated : FCRA 607 ( b ) Story : I have never lived at this address, and its inclusion on my report is false and dangerous to my identity profile. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Wrong address on file Law Violated : FCRA 607 ( b ) Story : This address is not linked to me in any way. It is an error that must be corrected by deletion. 

XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : Misattributed address reported Law Violated : FCRA 607 ( b ) Story : I do not reside at this address, nor have I ever. This is a harmful and incorrect data point. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Inaccurate address Law Violated : FCRA 607 ( b ) Story : I have no connection to this residence. Continued reporting of false personal info is unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Issue : Incorrect address damaging identity profile Law Violated : FCRA 607 ( b ) Story : This address is not part of my personal history. It must be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong address attached to my file Law Violated : FCRA 607 ( b ) Story : This address is unrelated to me. It must be deleted to prevent further credit harm. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : False address creating identity confusion Law Violated : FCRA 607 ( b ) Story : This address is not mine and never has been. Equifax is reporting false personal data in violation of federal law. 

Summary of Non-Compliance : Equifax has violated multiple sections of the FCRA and FDCPA by continuing to report accounts, inquiries, and addresses that are inaccurate, unverifiable, and not authorized. Despite previous disputes, no corrections have been made. This is harming my credit score and exposing me to identity risk.

Resolution Requested : I request that the CFPB require Equifax to : Reinvestigate and delete all unverifiable items listed above Remove all unauthorized hard inquiries Correct personal information by deleting incorrect addresses Provide written confirmation of the actions taken If this matter is not resolved within the appropriate timeframe, I am prepared to escalate it further through legal channels.

Company response to consumer: Closed with explanation