Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) by the credit reporting agencies and furnishers. My consumer rights are being violated because my credit reports continue to reflect false addresses and inaccurate account information that can not be verified. These errors are causing severe damage to my creditworthiness, financial opportunities, and personal reputation. 
Wrong Address Issues XXXX XXXX XXXX, XXXX, CA, XXXX Wrong Address I have no legal, financial, or residential ties to this property. Its presence suggests possible file-mixing or identity theft. FCRA 609 ( a ) ( 1 ) gives me the right to know the sources of information being reported, yet the bureaus have failed to provide verifiable proof of how this address was linked to me. By leaving this false information, the bureaus are in direct violation of 607 ( b ). This error has caused embarrassment when I applied for housing, as background checks flagged this as a prior residence. 
XXXX XXXX Ct, XXXX XXXX, CA, XXXX Wrong Address This is another instance of inaccurate reporting. I never lived or worked here. By keeping this on my file, the bureaus are willfully ignoring their legal duty under FCRA 611 to conduct a proper reinvestigation. Each time this information is shared with third parties, it is considered publication of inaccurate information, which is grounds for damages under FCRA 616 and 617. The presence of this address creates confusion, making it appear as though I have lived in multiple states without consistency. 
Inaccurate Account Issues XXXX  Account # XXXX Open Date XX/XX/XXXX High Balance {$12000.00} Charge Off This account is being reported as a charge off with inconsistent balances and unverifiable late payments. Under FCRA 609 ( a ) ( 1 ), I requested validation of this debt, yet no proper documentation, billing statements, or signed agreements were provided. Under FCRA 611, the furnisher must conduct a reasonable reinvestigation, which they failed to do. Additionally, FDCPA 809 ( b ) requires debt validation before continued reporting, but XXXX has continued to report without proof. This false charge off has lowered my credit score by over XXXX points, caused denials for business funding, and subjected me to predatory interest rates. The emotional distress and financial damage from this unlawful reporting are substantial. 
XXXX XXXX Account # XXXX Open Date XX/XX/XXXX High Balance {$5300.00} Charge Off This account was reported as a charge off without any prior notice or validation. Under FCRA 604, a consumer report must only be furnished for permissible purposes, yet this item was shared with lenders and harmed my applications without proper validation. The reported balance is inconsistent and unverifiable, violating FCRA 607 ( b ). Furthermore, FDCPA 807 prohibits misrepresentation of the legal status of a debt. By reporting this account as a charge off when no proper validation exists, XXXX is engaging in deceptive reporting. Because of this false entry, I was denied an auto loan and suffered reputational harm. 
XXXX XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX XXXX XXXX  High Balance {$25000.00} Charge Off This is one of the most damaging items on my credit report. XXXX XXXX has reported this as a charge off without providing any signed contracts, account statements, or validation documents required under FCRA 609. Despite disputes, they continue to report inaccurate information in violation of FCRA 611 and 607 ( b ). The balance is inflated and the account history is inconsistent with my records. This misinformation has severely harmed my ability to obtain mortgages and major lines of credit. Under FCRA 616 and 617, I have the right to seek damages for willful and negligent noncompliance. Additionally, FDCPA 807 ( 8 ) prohibits falsely communicating that a debt is charged off or placed for collection when it is not properly verified.

Requested Resolution I am requesting that the CFPB take immediate enforcement action to ensure : 1. Removal of all wrong addresses listed above. 
2. Deletion of the inaccurate accounts ( XXXX, XXXX, XXXX XXXX ). 
3. Written confirmation that these corrections have been made.

These inaccuracies are unlawful, damaging, and must be corrected without further delay. If not resolved, I am prepared to pursue all remedies available under FCRA 616 and 617 for damages caused by these violations.

Company response to consumer: Closed with non-monetary relief