Consumer complaint received 2025-08-29 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: KY

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized actions on my credit report that have caused significant distress, potential financial harm, and are clear violations of the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. My right to accurate credit reporting and protection from unauthorized inquiries has been repeatedly violated. The below-listed items each represent an issue requiring immediate reinvestigation and correction. 

XXXX XXXX XXXX XXXX, KY XXXX Wrong Address Law : FCRA 607 ( b ), 611 Issue : Reporting an inaccurate address without verification. 
Story : I have never resided, rented, or had any financial relationship associated with this property. Keeping this address on my credit file misleads potential creditors and violates my right to accurate reporting. It must be corrected immediately. 

XXXX XXXX Sq XXXX, KY XXXX Wrong Address Law : FCRA 602 ( A ), 607 ( b ) Issue : Wrong address causing file inaccuracy.

Story : This address is entirely unrelated to me and was never used for any financial, residential, or legal purpose. The continued reporting of this erroneous data demonstrates a failure to maintain maximum possible accuracy, as required by federal law. The bureau is legally obligated to remove unverifiable and false addresses immediately. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340.00} Charge Off XXXX XXXX Law : FCRA 611 ( a ), FDCPA 809 Issue : Reported as a charge off without verification. 
Story : I never received any signed contract, statement, or verified account information from XXXX. The charge off is reported inaccurately and harms my creditworthiness. Multiple attempts to obtain validation have failed. Reporting unverified debts is a violation of FCRA 611, and maintaining such an item without proper documentation is unlawful. This account must be deleted immediately until full legal verification is provided. 

XXXX XXXX  # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} Charge Off XXXX XXXX Law : FCRA 607 ( b ), 611, FDCPA 809 Issue : Charge off reported without legal validation. 
Story : XXXX XXXX  has not provided original signed contracts, statements, or documentation proving that I incurred this debt. Continuing to report this unverifiable charge off harms my credit and violates my FCRA rights. The bureau must remove this item until it is fully validated. 

XXXX # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off XXXX XXXX Law : FCRA 611 ( a ) ( 5 ), FDCPA 809 Issue : Account reported as charge off without verification. 
Story : I have repeatedly requested verification of this debt from both the bureau and the creditor. No legally sufficient evidence has been produced. Reporting an unverifiable charge off continues to harm my credit score and violates federal law. Immediate deletion is required. 

OneMain # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Charge Off XXXX XXXX Law : FCRA 607 ( b ), 611 Issue : Inaccurate charge off reporting. 
Story : XXXX has not provided signed documentation, payment history, or verification to support this charge off. The continued presence of this unverifiable account is misleading, inaccurate, and violates my rights under FCRA. Reporting this harms my credit and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX High Credit : {$1200.00} Charge Off XXXX XXXX Law : FCRA 611 ( a ), FDCPA 809 Issue : Charge off is unverifiable. 
Story : XXXX has failed to provide signed agreements, billing statements, or proof of debt. Reporting an unverified charge off is inaccurate and legally impermissible. This account must be deleted until validation is supplied. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Charge Off XXXX XXXX  Law : FCRA 609 ( a ) ( 1 ), 611 Issue : Charge off reported without verification. 
Story : I requested documentation proving this debt, including original contracts. None has been provided. Reporting this account without validation violates my rights and harms my credit. Deletion is required. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Late Payments XXXX XXXX  Law : FCRA 607 ( b ), 611 Issue : Late payments are inaccurate. 
Story : XXXX XXXX has not supplied accurate payment history records. Reporting false late payments misrepresents my credit behavior and violates federal accuracy standards. These entries must be corrected or deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX Law : FCRA 602 ( A ), 607 ( b ) Issue : Reporting a charge off with zero balance. 
Story : Reporting a zero-balance account as a charge off is false and misleading. It violates FCRAs requirement for maximum accuracy. This account must be removed immediately. 

I request that the CFPB take action to enforce FCRA compliance, require the reporting agencies to reinvestigate all disputed items, correct all inaccurate addresses, remove unauthorized inquiries, and delete any accounts that are not mine or incorrectly reported. I also request confirmation in writing once all corrections have been made and an updated credit report reflecting these corrections. The continued reporting of false information and unauthorized inquiries is causing significant harm and stress and undermines my right to accurate credit reporting as protected under federal law.

Company response to consumer: Closed with non-monetary relief