Consumer complaint received 2025-08-13 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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly. 
ACCOUNT XXXX XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Duty to ensure maximum possible accuracy and reinvestigate disputed information Issue : Reported as a charge-off with a balance that is not mine and is inaccurate Story : I have never maintained an account with this creditor under this account number and the balance is incorrect, making the reporting unverifiable and misleading to my credit profile ACCOUNT XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Wrong account status and high balance reported inaccurately as a charge-off Story : This account does not match my records and there is no verifiable contract, making the reported details unverifiable and harmful to my credit standing ACCOUNT XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Late payment history reported that is not accurate Story : I have no record of these late payments and the reporting dates do not align with any payment history I possess, meaning this data is unverifiable ACCOUNT XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Charge-off status reported without proper validation Story : I have not been provided any original documentation to support the reported status or balance, making it unverifiable ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Incorrectly reported as a charge-off with a XXXX balance Story : A charge-off with a XXXX balance is contradictory and misleading ; no validation has been provided to substantiate the report ACCOUNT XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Charge-off status with incorrect balance and payment history Story : The balance and delinquency dates are inconsistent with my records and can not be verified without original documentation ACCOUNT XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Charge-off status is inaccurate Story : The creditor has not provided proof of the account or its status and the details do not match my records ACCOUNT XXXXXXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Charge-off reported without proper verification of debt Story : I dispute the accuracy of this account and request removal as no evidence has been provided ACCOUNT XXXXXXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Charge-off status with incorrect balance Story : I have no verifiable evidence linking me to this account and the balance is misreported ACCOUNT XXXX XXXX XXXXXXXX Law : FCRA 602, 607 ( b ), 611 Issue : Late payments reported without proper verification Story : Payment records do not match this history, making the report unverifiable ACCOUNT XXXX XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Charge-off status reported incorrectly Story : I have no agreement or contract validating this debt ; details are unverifiable ACCOUNT XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Late payment history is incorrect Story : This reporting does not match my payment records and no supporting documentation has been provided ACCOUNT XXXX XXXX XXXX XXXX XXXX  Law : FCRA 602, 607 ( b ), 611 Issue : Charge-off with incorrect balance and no proof of debt Story : I have no verifiable connection to this account and the reporting is inaccurate ACCOUNT XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Collection account reported without proper validation Story : This debt has not been validated and is being reported without a verifiable link to me ACCOUNT XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Collection account with incorrect balance Story : No validation has been provided and the balance does not match any record in my possession ACCOUNT XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Collection account reported in error Story : I do not recognize this debt and the reporting party has not verified it ACCOUNT XXXX XXXX XXXX Law : FCRA 602, 607 ( b ), 611 Issue : Collection account inaccurately reported Story : No documentation has been produced to prove this debt is valid and linked to me I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under the FCRA.

Company response to consumer: Closed with non-monetary relief