Consumer complaint received 2025-07-29 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 multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Story : I do not recognize this address and it is inaccurately tied to my personal credit file Law : FCRA Section 605 and Section 611 Issue : This unverified address violates the requirement for maximum possible accuracy Delete this address from my file XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Story : I have never resided at this address and have no financial activity associated with it Law : FCRA Section 623 and Section 611 Issue : This address is being wrongly reported and should be removed as part of reinvestigation XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * Story : This late payment is inaccurate I made timely payments and was never notified of any delinquency Law : FCRA Section 623 ( a ) ( 1 ) ( A ) and Section 611 Issue : Reporting inaccurate late payments violates federal law This needs to be corrected immediately XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * Story : I never missed a payment for this account yet a late status was reported incorrectly Law : FCRA Section 623 and 611 Issue : The creditor has reported false information in violation of the FCRA This must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Balance : {$12.00} * * Story : This telecom account was never opened or authorized by me and I believe it is fraudulent Law : FCRA Section 605B and Section 611 Issue : This charge-off is based on identity theft or inaccurate data Remove this item immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Balance : {$17.00} * * Story : I dispute this account as I have never had service with this provider and it was not authorized Law : FCRA Section 609 and 611 Issue : This unverifiable charge-off must be deleted as it is damaging my credit illegally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$36000.00} * * Story : This loan was in deferment status and should not have reported a late payment Law : FCRA Section 623 and Section 611 Issue : Reporting a late during deferment is misleading and harmful This must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Balance : {$100.00} * * Story : I have no knowledge of this utility account and never used services tied to this amount Law : FCRA Section 607 and Section 611 Issue : The information is unverifiable and inaccurate and must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Balance : {$79.00} * * Story : This utility bill is not mine and appears to be a reporting error or mixed file Law : FCRA Section 609 ( c ) ( 2 ) and Section 611 Issue : This unconfirmed account must be removed under your obligation to ensure accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$0.00} * * Story : The account shows a {$0.00} balance which means it was resolved so a charge-off is improper Law : FCRA Section 623 ( a ) ( 2 ) and 611 Issue : This status misrepresents the accounts history and must be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Balance : {$130.00} * * Story : I did not open this telecom account and this charge-off is fraudulent or incorrectly reported Law : FCRA Section 605B and 611 Issue : This entry is unauthorized and should be blocked from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Balance : {$8.00} * * Story : This is not a valid account I am familiar with and I never received notice of a balance owed Law : FCRA Section 609 and 611 Issue : Please remove this charge-off for being unverifiable and inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$2000.00} * * Story : My student loan was under forbearance and this late mark should never have been applied Law : FCRA Section 623 and 611 Issue : This entry is misleading and must be corrected or deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$1200.00} * * Story : This entry is wrong I was in deferment and should not have any delinquent mark Law : FCRA Section 623 and 611 Issue : Remove this item as it does not reflect the true payment status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$1300.00} * * Story : During this period I was enrolled in an approved deferment and should not be penalized Law : FCRA Section 623 ( a ) ( 1 ) ( A ) and Section 611 Issue : Please delete this inaccurate late payment entry These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief