Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I am filing this complaint with CFPB regarding inaccurate and unverifiable account reporting on my credit file. Despite my repeated attempts to resolve these discrepancies directly with the creditors, these accounts continue to reflect erroneous information that negatively impacts my creditworthiness and financial reputation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to have all inaccurate or unverifiable information corrected or removed from my credit reports. These accounts violate my rights under FCRA by reporting incorrect balances, dates, and collection statuses without proper verification. I request CFPB intervention to ensure a thorough investigation and immediate correction or deletion of these items. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This address has never been my residence. Reporting it on my credit report is inaccurate and materially misleading under FCRA 1681i ( a ) and 1681e ( b ). No lease, utility, or mail exists linking me to this unit. Its inclusion risks misattributed accounts and financial harm. I request immediate reinvestigation, verification from furnishers, and removal if unverifiable. Accurate reporting is legally required. Failure to correct this address may constitute negligence under FCRA standards. Written confirmation of correction is requested. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have never been associated with this apartment or complex. Its presence on my report is false and misleading under FCRA 1681i ( a ) and 1681e ( b ). No transactions, leases, or correspondence tie me here. The inclusion risks credit misreporting and identity confusion. I request immediate reinvestigation and deletion if unverifiable. Furnishers must be contacted to provide supporting documentation. Accurate reporting is a legal requirement, and failure to comply causes material damage to my credit profile. Written confirmation is required. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/year>, Balance Owed {$850.00} Chargeoff This account is disputed as inaccurate. Reporting a chargeoff without verification violates FCRA 1681i ( a ). The account balance, status, and history do not reflect my records. Furnisher verification is required, including original agreements and statements. The reporting risks material harm and credit misattribution. Accurate reporting is mandated under FCRA 1681e ( b ). I dispute the account status, balance, and date opened. If unverifiable, deletion is legally required. The presence of this account is misleading and materially damaging. I request immediate reinvestigation. Written results must be provided. The reporting as-is is false, incomplete, and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>, Balance Owed {$6000.00} * * Chargeoff I dispute this account due to inaccurate reporting of status and balance. FCRA 1681i ( a ) requires the bureau to verify all disputed items. I have not received supporting statements or documentation verifying this chargeoff. Furnisher documentation, including contracts and communications, must be provided. Misreporting this account violates FCRA 1681e ( b ) and materially harms my credit profile. The reported date, balance, and status are inconsistent with my records. Immediate reinvestigation is required. If unverifiable, deletion is legally mandated. This accounts presence is misleading and has caused material harm. Written confirmation of correction or deletion is requested. 

I request CFPB to compel the credit reporting agencies and creditors to comply with FCRA requirements, conduct proper reinvestigations, validate all debts, and remove unverifiable or inaccurate collections immediately. The continued reporting of these accounts without verification constitutes a blatant violation of my rights and has negatively affected my ability to secure credit, housing, and employment.

Company response to consumer: Closed with non-monetary relief