Consumer complaint received 2025-08-16 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 611 requires reinvestigation of disputed items Issue : This address is inaccurate and has no relation to me Story : I demand reinvestigation as this is a duplicate of another inaccurate entry and must be deleted XXXX XXXX XXXX XXXX XXXX, CA XXXX Law Issue : FCRA 607 ( b ) accuracy requirement Issue : This address is not my valid address Story : The continued presence of this address violates the FCRA and harms the integrity of my file ACCOUNTS XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX  Law Issue : FCRA 609 and 611 require accuracy and reinvestigation of disputed late payments Issue : This account is reporting a late payment inaccurately despite a {$0.00} balance Story : It is impossible to have late payments on an account with no outstanding balance, proving this report is inaccurate and must be corrected or deleted XXXXXXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX Balance Owed : {$470.00} Chargeoff * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know is inaccurate Issue : This account is being reported as a chargeoff inaccurately Story : I dispute the validity of this chargeoff and request validation or deletion as required under the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Late Payment * * Law Issue : FCRA XXXX ( b ) maximum accuracy requirement Issue : Late payments are being inaccurately reported Story : I have not received proper validation of this accounts alleged late history. Please delete or correct immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX Law Issue : FCRA 611 requires deletion of unverifiable accounts Issue : A chargeoff is being reported despite a XXXX balance Story : This is a contradiction and proves inaccuracy. Please delete XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$780.00} Chargeoff * * Law Issue : FCRA 609 & 611 accuracy and reinvestigation requirement Issue : This account is being reported as a chargeoff without proper validation Story : I dispute this account entirely and demand a reinvestigation and deletion VIVE FIN XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00} Chargeoff * * Law Issue : FCRA 623 prohibits furnishing of inaccurate or unverifiable information Issue : This account is reporting as charged off inaccurately Story : I request validation documents ; if unavailable, this account must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA 607 ( b ) maximum possible accuracy requirement Issue : A late payment is being reported on an account with no balance Story : This contradiction shows the reporting is false and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Chargeoff * * Law Issue : FCRA XXXX right to reinvestigation Issue : This chargeoff is disputed and unverifiable Story : I dispute the accuracy of this chargeoff and request full validation or deletion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Late Payment XXXX XXXX  Law Issue : FCRA 607 ( b ) maximum accuracy requirement Issue : Late payment history is inaccurate Story : I dispute the validity of these alleged late payments and demand deletion if not fully validated OPORTUNPROG XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits inaccurate reporting Issue : Late payments reported are inaccurate Story : This accounts late history can not be verified. I demand correction or deletion XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$360.00} Collection * Law Issue : FDCPA 807 prohibits false representation of debts, FCRA 611 requires reinvestigation Issue : This collection is inaccurate and unvalidated Story : I request validation. If none is provided, this collection must be removed INQUIRIES XXXX XX/XX/XXXX Law Issue : FCRA XXXX Issue : Inquiry without permissible purpose Story : I did not authorize this hard inquiry. Please delete immediately 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