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: LA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this complaint because my credit reports contain multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and wrong addresses. These errors are severely harming my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my rights under federal law, the credit bureaus and furnishers have failed to ensure maximum possible accuracy of the information they report about me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : These addresses do not belong to me and are inaccurately listed on my report.

Law : Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Story : I have never resided at or been associated with these addresses. Their inclusion creates confusion and mixes my file with information that is not mine. These need to be removed immediately to avoid further harm to my credit history.

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Charge Off XXXX XXXX Issue : This account is reporting as a charge off, which is inaccurate.


Law : FCRA 602A requires fairness and accuracy in credit reporting. Story : This account is not accurately reflecting my payment history, and the balance shown is incorrect. Reporting it as a charge off is misleading and must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$470.00} Charge Off XXXX XXXX Issue : Multiple XXXX XXXXXXXX accounts are listed as charge offs with inconsistent balances and dates.

Law : Under FCRA 611, the consumer has the right to dispute inaccurate or incomplete information, and the bureau must conduct a reasonable reinvestigation.

Story : These accounts appear to be duplicated and inaccurately reported. I never had this many separate charge off accounts with XXXX XXXX, and the reported balances are inconsistent. This information is misleading, damaging, and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Charge Off * * Issue : Reporting as a charge off despite not being valid.

Law : FCRA 607 ( b ) requires maximum possible accuracy.

Story : I never authorized this reporting and the balance is inaccurate. This tradeline is harming my credit unjustly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$22000.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$490.00} Late Payment * * Issue : These accounts are reporting late payments, which are not accurate. 
Law : FCRA 605B protects against inaccurate adverse information.

Story : These creditors have reported me late when in fact the accounts were either current, settled, or not even valid. This inaccurate reporting has harmed my credit standing and must be corrected. 
NXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Collection XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$4300.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Collection XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection * * Issue : These collections are not valid and are reporting without proper validation. 
Law : Under FCRA 609 and FDCPA 809, the furnisher must validate the debt and Equifax must ensure only accurate information is reported.

Story : I have never received validation of these debts. Reporting them as collections is misleading and damaging. Without proper verification, they must be deleted from my report. 
XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX Inquiry Issue : These inquiries are unauthorized. Law : FCRA 604 state
s that a consumer report may only be furnished for a permissible purpose.

Story : I did not authorize these companies to access my credit file. These inquiries are fraudulent, lower my score, and should be deleted immediately.

Closing Statement The presence of wrong addresses, unverifiable accounts, and unauthorized inquiries is clear evidence of violations of my rights under federal law. These errors have caused me significant financial and personal harm by lowering my credit score, limiting my access to fair credit opportunities, and exposing me to risks of identity theft.

I request the CFPBs assistance to enforce the law and ensure that the credit bureaus and furnishers immediately correct or delete all inaccurate, unverifiable, and unauthorized information listed in this complaint.

Company response to consumer: Closed with non-monetary relief