Consumer complaint received 2025-08-20 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

ADDRESS XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 609 ( a ) and 611 require accurate reporting and reinvestigation of disputed information. 
Story : I have never lived at or been associated with this address. Including this in my credit file is a mix-up of personal data that could belong to another consumer. This creates the appearance of possible identity confusion and damages my credit reputation. I demand immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Law/Issue : FCRA 611 requires reinvestigation of disputed information. 
Story : I have never lived at or used this address. It appears on my file without any valid connection, and its inclusion is misleading, raising false red flags to lenders and institutions. Such inaccurate data is unlawful and must be deleted. 

XXXX XXXXXXXX XXXX XXXX, GA XXXX Law/Issue : FCRA 607 ( b ) requires consumer reporting agencies to ensure accuracy. 
Story : I have no association with this address. It is not part of my credit or residence history. Its reporting creates confusion and paints an inaccurate picture of my identity. This is a violation of my rights under the FCRA and should be removed. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff * * Law/Issue : FCRA 607 ( b ) requires accuracy ; 609 ( a ) requires verification. 
Story : This account is reporting as a chargeoff with a high balance. I dispute the accuracy of both the balance and the chargeoff status. Without proper validation and original signed documentation, this account should not be reported. Inaccurate reporting like this severely harms my creditworthiness.

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law/Issue : FCRA 611 requires reinvestigation. 
Story : An account can not logically report as a chargeoff with a {$0.00} balance. This is a contradiction, a clear reporting error, and a violation of accuracy requirements. This inaccuracy makes my file appear riskier than it is, and it must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Chargeoff * * Law/Issue : FDCPA 807 prohibits false representation ; FCRA 609 ( a ) requires verification. 
Story : I never authorized or opened this account. It appears fraudulent or misattributed to me. No contract or validation has been presented to prove this belongs to me. Continuing to report it is an unfair and unlawful practice that damages my reputation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4700.00} Chargeoff * * Law/Issue : FCRA 607 ( b ) requires accuracy ; 611 mandates reinvestigation. 
Story : I fully dispute this account. I have not received any notice, contract, or original documentation proving this debt is mine. Reporting unverifiable debts is illegal and harmful. This must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Chargeoff * * Law/Issue : FCRA 609 ( a ) requires proof ; 607 ( b ) requires accuracy. 
Story : This chargeoff is damaging my file and no supporting documentation has been provided to prove the balance or status is correct. Outdated, unverifiable, and inaccurate reporting violates my rights and should be deleted.

XXXX XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 ( a ) requires permissible purpose.

Story : This inquiry is unauthorized. I never gave permission or applied for credit. Reporting this is unlawful and must be removed. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : FCRA 604 ( a ) violation.

Story : This inquiry was made without my knowledge or consent. It harms my score and misrepresents my credit-seeking behavior. It must be deleted. 

XXXX XXXX XXXXXX/XX/XXXX Law/Issue : FCRA XXXX ( a ) requires permissible purpose. 
Story : This inquiry is unauthorized. I never applied for credit or gave permission. It is an invasion of my rights and must be removed.

XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 ( a ) violation. 
Story : I dispute this inquiry as fraudulent or unauthorized. No application was made by me, and it harms my file. It must be deleted. 

XXXX XXXXXXXX XXXX Law/Issue : FCRA 604 ( a ).

Story : This inquiry was placed on my file without my consent or authorization. It is damaging and inaccurate. It must be removed. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief