Consumer complaint received 2025-09-07 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 Whom It May Concern I am filing this formal complaint under the Fair Credit Reporting Act regarding multiple inaccurate addresses and accounts appearing on my credit file. These items are unverifiable, misleading, and continue to violate federal law. I request immediate reinvestigation and permanent deletion XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Address Issue Inaccurate address reporting Law FCRA 607 ( b ) requires maximum possible accuracy Story This address does not belong to me and I have never resided here. No lease, utility bill, or other documentation ties me to this property. Reporting this address misrepresents my personal information and harms my credit profile. It must be deleted XXXX XXXX XXXX XXXX CA XXXX Address Issue Wrong address reporting Law FCRA 611 requires reinvestigation of disputed data Story This address is inaccurately listed on my credit file. I have no connection to this property and furnishing it violates federal accuracy standards. The bureau must correct or remove this information XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$890.00} Charge Off Issue Improper charge off reporting Law FCRA 623 requires furnishers to report accurate data Story XXXX XXXX  is reporting a charge off without providing verifiable agreements, billing statements, or account history. This failure to validate the debt violates federal law and the item must be deleted XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXXXXXX  High Balance {$740.00} Charge Off Issue Unverified charge off Law FCRA 607 ( b ) applies Story XXXX XXXX has reported this account as a charge off without evidence proving ownership, liability, or accurate balance. Reporting unverifiable data harms my credit and must be removed XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1000.00} Charge Off Issue Improper reporting Law FCRA 611 requires reinvestigation Story XXXX XXXX XXXX  reports a charge off but provides no documentation to substantiate the debt. Without verification this entry is inaccurate and must be deleted XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} Charge Off Issue Duplicate entry Law FCRA 607 ( b ) and 611 apply Story This is a duplicate charge off of the same account, inflating negative information on my file. Duplicate reporting is misleading and violates federal law. It must be removed XXXX XXXX Open Date XX/XX/XXXXXXXX  High Balance {$1000.00} Charge Off Issue Unverified charge off Law FCRA 623 ( a ) ( 1 ) applies Story XXXX XXXX XXXX  reports a charge off without proof of a signed agreement or payment history. Reporting unverifiable accounts is a violation of federal accuracy standards and must be deleted XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$220.00} Charge Off Issue Improper charge off reporting Law FCRA 609 and 611 apply Story XXXX XXXX  reports this charge off without documentation validating default or liability. Without verification this entry is inaccurate and must be deleted XXXX XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  Balance {$180.00} Charge Off Issue Unverified account Law FCRA 607 ( b ) applies Story XXXX XXXX  reports a charge off without providing proof of ownership or signed agreements. Reporting unverified accounts is misleading and must be removed XXXX XXXXXXXX Open Date XX/XX/XXXXXXXX  Balance {$0.00} Charge Off Issue Improper XXXX balance charge off Law FCRA 623 applies Story XXXX is reporting a charge off despite showing a XXXX balance. Reporting a XXXX balance as a charge off is inaccurate and misleading and must be deleted XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$14000.00} Charge Off Issue Unverified charge off Law FCRA 623 applies Story XXXX XXXX XXXX reports a XXXX charge off but fails to provide agreements, billing history, or validation of the balance. Reporting unverified debts is unlawful and must be removed XXXX XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  Balance {$740.00} Charge Off Issue Unverified charge off Law FCRA 611 requires reinvestigation Story XXXX XXXX XXXX reports a charge off but can not provide proof of ownership, contract, or accurate balance. Reporting unverified accounts is misleading and unlawful and must be deleted from my file XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXXXXXX  Balance {$0.00} Charge Off Issue Improper XXXX balance charge off Law FCRA 623 applies Story Reporting a charge off with a XXXX balance is inaccurate and misleading. No delinquent debt exists and this account should never have been reported. This entry must be removed immediately XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  High Balance {$1600.00} Collection Issue Inaccurate collection reporting Law FCRA 607 ( b ) applies Story XXXX XXXX is reporting a collection but has failed to provide documentation proving assignment, ownership, or accurate balance. Without validation this account is unverifiable and misleading. It must be deleted XXXXNV FUNDING 515942XXXXXXXXXXXX Date Opened XX/XX/XXXX High Balance {$1200.00} Collection Issue Unverified collection Law FCRA 611 applies Story XXXX XXXX  is reporting a collection account without providing original contracts, assignment of debt, or proof of balance. Reporting unverifiable collections violates federal law and must be removed XXXXXXXX XXXX XXXXXXXX Date Opened XXXX XXXX XXXX High Balance {$1000.00} Collection Issue Duplicate and inaccurate reporting Law FCRA 607 ( b ) applies Story This account appears to be a duplicate entry under a different date and balance. Duplicate reporting inflates negative information, misrepresents my credit profile, and violates federal accuracy standards. This entry must be deleted XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Balance {$1000.00} Collection Issue Improper collection reporting Law FCRA 623 applies Story XXXX XXXX  reports a collection without verifiable proof of ownership or original contract. Reporting unverified data is misleading, unlawful, and must be removed from my credit report XXXX XXXX Date Opened XX/XX/XXXX High Balance {$670.00} Collection Issue Unverified collection Law FCRA 607 ( b ) applies Story XXXX XXXX XXXX is reporting a collection but has failed to provide documentation validating ownership, assignment, or balance. Without verification this account is inaccurate and must be deleted XXXX XXXX XXXX XXXX Inquiry Issue Unauthorized inquiry Law FCRA 604 ( a ) applies Story XXXX  pulled my credit report without my consent or permissible purpose. This is an unlawful hard inquiry and must be removed XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Issue Improper hard inquiry Law FCRA 604 ( a ) applies Story I did not authorize XXXX  XXXX to pull my credit file. This unauthorized inquiry violates my rights and must be deleted immediately Final Statement Under FCRA 607 ( b ), 609, 611, and 623 all addresses and accounts listed above are inaccurate, unverifiable, and harmful. The credit bureaus are legally obligated to reinvestigate and delete any unverifiable or duplicate entries. Continued reporting without proper verification constitutes willful noncompliance and violation of consumer protection laws

Company response to consumer: Closed with non-monetary relief