Consumer complaint received 2025-10-01 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 ) regarding multiple inaccuracies and unauthorized reporting on my credit report that are negatively impacting my creditworthiness and causing financial harm. I request CFPB intervention for investigation and correction of all listed items. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This address is not associated with me. I have never resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX All official mail, utility bills, and government records confirm my correct residence. This false address may lead to misattributed accounts and negatively impacts my credit profile. I request immediate deletion and verification of all addresses in my file. Documentation is attached proving my true residency. Reinvestigation is required under FCRA guidelines to prevent further reporting of inaccurate data. This false address may have caused confusion with creditors and collection agencies. Its continued presence is damaging my credit score. I request that this address be removed permanently from my credit report. Maintaining false addresses constitutes willful noncompliance with FCRA. I insist that the bureau contact all furnishers reporting this address to verify accuracy. Immediate correction is necessary to prevent additional harm. Proper verification must include all underlying documentation showing my actual residence. This item should be deleted as it is unverifiable and incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX I have never lived at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. No bills, lease agreements, or governmental correspondence link me to this property. Its presence on my credit report misrepresents my credit history and may cause wrongful denials or collections. I request immediate deletion of this address and reinvestigation of all sources reporting it. Furnishers must verify ownership or residency documentation. Reporting unverifiable addresses constitutes a breach of FCRA requirements. I am providing documentation of my actual address history. This incorrect address has no legitimate connection to me and should be removed permanently. I request written confirmation of the outcome of this dispute. Failure to correct may result in further complaints to CFPB and state regulators. I expect full compliance with federal law. Removal is necessary to maintain the accuracy and fairness of my credit profile. 

XXXX XXXX XXXX, CA XXXX I have no affiliation with this address. I have never received mail, billing statements, or other communications at XXXX XXXX XXXX, CA XXXX. Its reporting is false and damaging. I request verification with documented proof from furnishers. Deletion is necessary under FCRA Section 611 to ensure accuracy. Reporting this unverifiable address may have caused mistaken collections or inquiries. I am attaching supporting documentation for my correct residence. Reinvestigation must confirm the lack of connection to me. Any continued reporting is a violation of my rights. This entry should be permanently removed from my credit file. I request written proof of the deletion and verification steps taken. Maintaining false information can cause significant harm to my financial status. I insist the bureau completes a thorough reinvestigation. Accuracy in reporting is legally mandated under FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Chargeoff This XXXX XXXXXXXX account has been inaccurately reported as a chargeoff. I dispute the validity of the balance and the status, as proper notice and verification were never provided. I request reinvestigation and validation of the debt with complete documentation of transactions, billing statements, and payment history. Any failure to provide verification constitutes a violation of my rights under FCRA. This chargeoff negatively affects my creditworthiness and lending opportunities. I have attempted prior disputes, but the account remains inaccurately reported. I insist that the bureau contact the furnisher directly to provide verified proof of this debt. I request removal of any unverifiable or inaccurate status. Accurate reporting is legally required. Continuing to report false or incomplete information is a direct violation of my consumer rights. I provide supporting evidence contradicting the reported chargeoff. Immediate correction is necessary to restore fairness to my credit report. The presence of this inaccurate account causes financial and personal harm. I expect written confirmation upon completion of reinvestigation. All reporting must comply with federal accuracy standards. I request permanent correction and deletion of any unverifiable entries. Furnisher must confirm the legitimacy of all reported details. My rights under FCRA demand immediate action. 

INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX I did not provide consent to XXXX XXXX XXXX for the inquiry dated XX/XX/XXXX. Reporting this inquiry without authorization is a violation of federal law and harms my credit profile. I request deletion of this entry and written confirmation of action taken. Furnishers must prove permissible purpose, which they can not. This inquiry has negatively affected my credit reputation. Immediate deletion is required. Maintaining this inquiry constitutes willful noncompliance with FCRA. I request reinvestigation and permanent removal. Unauthorized inquiries may cause denials for loans, credit cards, or housing. I insist that the bureau take action in compliance with federal law. Documentation supporting this inquiry is nonexistent. Deletion restores accuracy and protects my rights. I request proof of reinvestigation outcome. The bureau must enforce legal compliance from all furnishers. 

I request a full investigation into all the above items, immediate correction or deletion of any inaccuracies, confirmation of actions taken, and monitoring to ensure compliance with FCRA and FDCPA. The inaccurate reporting, chargeoffs, and unauthorized inquiries have caused measurable financial harm, stress, and loss of credit opportunities. I rely on CFPB to ensure all my rights under federal law are protected and enforced.

Company response to consumer: Closed with explanation