Consumer complaint received 2025-08-27 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 the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 609 and 611 require accurate and verifiable reporting Story : I have never lived at this address, never received mail here, nor signed any lease agreements. Reporting this false address links me to a location that is not mine, which may be tied to fraudulent accounts. This is creating confusion in my credit file and making it look like I have lived in multiple locations I know nothing about. Remove this address immediately. 

ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Law/Issue : FCRA 609 ( a ) ( 1 ) grants me the right to know the source of information Story : This address is completely foreign to me. No lease, mortgage, or utility bills exist tying me here. Reporting it places me at risk for identity confusion. If the bureau can not produce proper documentation showing I resided here, this address must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Late Payment Law/Issue : FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate Story : I do not acknowledge the late payment history being reported on this account. No proof of delinquency has been provided, and the creditor has failed to supply original billing statements. Reporting unverified late payments is a direct violation of federal law. This account must be deleted. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$3000.00} Late Payment Law/Issue : FCRA XXXX ( a ) requires reinvestigation of disputed information Story : The reported late payments are not accurate. I have never received proper validation or proof of missed payments. This account is damaging my score and misrepresenting my payment history. If the creditor can not prove the accuracy with signed agreements and full payment records, this account must be deleted. 

ACCOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$1100.00} Late Payment Law/Issue : FCRA XXXX ( A ) emphasizes protection from inaccurate information Story : I dispute the late payments tied to this account. They are being reported without supporting documents, creating a false negative history on my profile. No creditor has validated this in the first round of disputes. Delete this entry immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$16000.00} Collection Law/Issue : FDCPA XXXX prohibits false or misleading collection activity, FCRA XXXX requires deletion if unverifiable Story : I do not know this account and never received notice of debt validation from the collector. This appears fraudulent and is damaging my credit standing. Without proper verification, this must be removed from my credit file. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Chargeoff Law/Issue : FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits inaccurate reporting Story : I do not recognize this chargeoff. No original signed contract, billing history, or validation was provided. Reporting unverifiable information violates the law. Delete this account from my file. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$12000.00} Chargeoff Law/Issue : FCRA XXXX requires deletion of unverifiable information Story : I do not recognize this account. No supporting documents proving ownership or liability have been provided. Continued reporting is unlawful. Delete this chargeoff immediately. 

INQUIRY XXXX XXXXXX/XX/XXXX Law/Issue : FCRA XXXX requires inquiries to be authorized Story : I never consented to this inquiry, nor applied for credit with this company. This must be deleted from my report. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

Company response to consumer: Closed with explanation