Consumer complaint received 2025-09-06 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:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Accounts XXXX XXXX XXXX High Balance {$2400.00} Opened XX/XX/XXXX Chargeoff This account is being inaccurately reported as a charge-off, which is highly damaging to my creditworthiness. I have never received verifiable documentation from you or the furnisher that validates the accuracy of this reporting. The FCRA requires you to conduct a thorough reinvestigation, yet despite multiple disputes, the same error continues to appear, showing a failure of due diligence. Reporting a charge-off without certified proof from the original creditor is unlawful and misleading. Each time you re-report this false data, you further violate my rights under federal law. Inaccurate charge-off listings harm my financial standing, block me from obtaining fair credit opportunities, and misrepresent my payment history. The law is clear that unverifiable accounts must be deleted. I demand immediate removal of this charge-off or full documentation proving its accuracy, otherwise this item must be permanently deleted under the FCRA. 

XXXX XXXX XXXX High Balance {$120.00} Opened XX/XX/XXXX Late Payment This account is also being reported with late payment history that is not mine, is unverifiable, and is inaccurate. I have raised disputes on this matter, yet your bureau has failed to take corrective action. By law, you are required to remove or correct information that can not be verified, but instead, you continue to allow false late marks to damage my record. False reporting of delinquency misrepresents my financial behavior and causes me ongoing harm with lenders and creditors. Each reinvestigation has resulted in the same unlawful re-reporting without proof. This shows clear negligence in maintaining accurate records as required under the FCRA. Continuing to report this unverifiable late payment history places your agency in violation of federal law, and I demand its immediate deletion. Failure to comply will result in formal escalation to the CFPB and further legal remedies. 

Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX I never gave consent for this credit pull, making it an unauthorized inquiry. The FCRA protects consumers from such unlawful access, and its continued presence on my file violates federal law. Each report of an unauthorized inquiry falsely represents my credit activity and may harm potential lending decisions. My repeated disputes have not led to corrective action, demonstrating negligence. Immediate removal is required to bring my report into compliance with the law.

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

Company response to consumer: Closed with non-monetary relief