Consumer complaint received 2025-07-07 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 writing to formally file a complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq and related consumer protection laws Equifax has reported multiple inaccurate, outdated, and unverifiable items on my credit report despite my attempts to resolve the matter directly Below I provide a detailed list of the inaccurate information being reported by Equifax including personal address inaccuracies and multiple account reporting violations along with applicable laws and individual issues for each item Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This is not my address and I have never lived or received mail at this location. This is a case of mistaken identity or misreporting of personal information. This incorrect address appearing on my credit file causes confusion in identification, leads to mixed file issues, and can be used to connect me to accounts that are not mine. 
Law : FCRA 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy. FCRA 1681i ( a ) requires prompt correction of disputed information.

Story : I have submitted disputes to Equifax regarding this false address, but they continue to report it. Due to this address, lenders have denied me credit, claiming inconsistencies in my profile. This is affecting my creditworthiness, and Equifax has failed to remove this inaccurate data despite my repeated efforts. 
XXXX XXXX Account # XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This charge-off is inaccurate. I did not authorize this account, and I have no contract or signed agreement with XXXX XXXX. No documentation has ever been provided to me to prove the validity of this debt. 
Law : FCRA 1681i ( a ) requires credit bureaus to investigate disputed information. FCRA 1681e ( b ) mandates accurate reporting.

Story : I submitted disputes to Equifax requesting verification of this charge-off. Despite this, Equifax has failed to provide me any written documentation proving that this account is valid and belongs to me. Their reporting has caused damage to my credit score and Ive been denied an auto loan because of this false charge-off. Equifax is willfully neglecting my rights by continuing to report unverifiable debt. 
XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This account is incorrectly listed as a charge-off. I requested validation and reinvestigation multiple times. Equifax failed to provide the original contract or payment history. 
XXXXaw : FCRA 1681g ( a ) gives consumers the right to all information in their file. FCRA 1681s-2 ( b ) requires furnishers to investigate and update inaccurate data. 
Story : This account suddenly appeared as a charge-off without prior notice or explanation. I never received any communication from XXXX XXXX or Equifax about this account prior to the negative reporting. I believe this may be identity theft or mixed file error. This has severely impacted my ability to refinance my existing debts and resulted in loss of financial opportunities. 
XXXXXXXX XXXX Account # XXXXXXXX XXXX  High Balance : {$15000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This is an old, outdated charge-off that exceeds the reporting time limit under the FCRA 7-year rule. It continues to be reported illegally. 
Law : FCRA 1681c ( a ) ( 4 ) prohibits reporting of charge-offs older than 7 years from the date of first delinquency.

Story : This charge-off has been on my report since 2014, and over 7 years have passed. Equifax is in violation of the FCRA by continuing to report this damaging item. I have submitted disputes to Equifax but have received no confirmation of investigation or deletion. This item is unfairly penalizing me for a debt that should not be reported anymore. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : The late payments being reported are not correct. I have documentation proving I made on-time payments. There is a discrepancy between what XXXX XXXX has on file and what Equifax is reporting. 
Law : FCRA 1681e ( b ) requires credit bureaus to report accurate data. FCRA 1681i ( a ) requires a reinvestigation when a consumer disputes inaccurate information.

Story : I contacted both the creditor and Equifax and provided bank statements showing the payments were not late. However, Equifax failed to correct the report. These false late payments have caused my credit score to drop significantly and impacted my mortgage application. Equifax is acting negligently and causing me direct harm. 
XXXX  Account # XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : I never had this account with SYNCB and did not authorize any credit application with them. No contract has been shown to me proving that I am responsible for this charge-off. 
Law : FCRA 1681g and 1681s-2 ( b ) require furnishers and credit bureaus to investigate and correct errors. FCRA 1681b prohibits obtaining and using a consumers report without a permissible purpose. 
Story : This account appears to be fraudulent or the result of identity theft. I submitted a fraud affidavit, FTC identity theft report, and mailed disputes, yet Equifax continues to report the item with no proper verification. I am being held liable for a debt I did not create. This is a serious breach of my rights and financial safety. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This is a third-party collection account for a debt I do not recognize. I was never informed by XXXX or XXXX XXXX about this account being placed in collections. 
Law : FDCPA 809 ( 15 U.S.C. 1692g ) requires written notice of debt. FCRA 1681i mandates a reasonable reinvestigation.

Story : This account was reported on my Equifax file suddenly, with no prior notice or validation. I was never given a chance to dispute the debt directly with the collector before they reported it. I sent disputes and requested validation but got no proper response. Equifaxs reporting is reckless and has caused my credit score to drop by over XXXX points. I believe this may be a case of re-aged or fabricated debt. 
Requested Relief from CFPB : I am requesting the CFPB to take immediate action and investigate these clear violations of my rights under the FCRA and FDCPA. I am also requesting that Equifax be compelled to remove all inaccurate, unverifiable, and outdated accounts, and to delete the false address listed in my file. The continued reporting of these items is causing me serious harm, including denial of credit, emotional distress, and financial loss. 
These inaccuracies have caused me substantial financial and emotional harm including denial of credit higher interest rates and reputational damage I demand immediate investigation and deletion of the inaccurate items from my credit report pursuant to FCRA 1681i I request CFPB to compel Equifax to comply with federal laws and issue a resolution immediately by deleting the listed inaccurate items and correcting my consumer file completely

Company response to consumer: Closed with non-monetary relief