Consumer complaint received 2025-07-15 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:
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized and inaccurate information reported on my credit reports. I am a victim of identity theft and severe misreporting, resulting in fraudulent accounts, incorrect addresses, and unauthorized hard inquiries appearing across all three major credit bureaus. I did not authorize any of these entries, and they are causing substantial harm to my credit standing and personal well-being. Below are the specific items I am disputing : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Issue : This is not my address, and I have never lived here Law : FCRA 605 ( b ) and 607 ( b ) Credit bureaus are required to remove inaccurate or unverifiable information Story : I have never resided at this address nor do I have any connection to this location. Its presence on my credit report is a clear indication of identity theft or mixed-file reporting. I believe my personal data has been wrongfully linked with this address, causing serious damage to my credit profile. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Issue : Fraudulent address reported on my credit file Law : FCRA 607 ( b ) Bureaus must ensure accurate and verifiable address history Story : This address is unknown to me. I have never lived here, applied for credit from this location, or used it for any financial purpose. This false data entry may be the result of an identity thief using my name or SSN, or a data error by the bureaus. It needs to be permanently deleted. 
XXXX  Account : XXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX Issue : Late payment reported on an account I never opened Law : FCRA 1681s-2 ( a ), FCRA 611 Furnishers must report accurate data and credit bureaus must investigate disputes Story : I never had any credit relationship with XXXX  ( XXXX XXXX ). I did not authorize this account nor did I make any payments. I became aware of this only while checking my credit report. I believe someone used my identity to open this account without my permission, or it was wrongfully merged with another consumers account. 
XXXX XXXX  Account : XXXX XXXX High Balance : {$5600.00} | Date Opened : XX/XX/XXXX Issue : Charge-off on a fraudulent credit card Law : FCRA 605B Credit reporting agencies must block information resulting from identity theft Story : I have never opened a credit card with XXXX XXXX XXXX This charge-off entry is fraudulent and has severely impacted my credit standing. I suspect my identity was compromised and used to open this account without my consent. I request an immediate block under the FCRA. 
XXXX XXXX XXXX Account : XXXXXXXX XXXX High Balance : {$7800.00} | Date Opened : XX/XX/XXXX Issue : Unauthorized account charged off and misreported Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report data accurately Story : I have never had a loan, credit card, or any financial relationship with XXXX XXXX XXXX XXXX. This charge-off is fraudulent and appears to be linked to identity theft. I demand its removal and full investigation to prevent further misuse of my credit file. 
XXXX Account : XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX Issue : Fraudulent charge-off account listed Law : FCRA 605B and 602 ( a ) Identity theft protections and right to accuracy Story : I never took out any loan from XXXX XXXX or related institutions. I did not apply, receive, or use any credit related to this account. I was shocked to discover this on my credit report and believe this entry is due to identity misuse or false reporting. 
XXXX XXXX Account : XXXX XXXX  High Balance : {$47000.00} | Date Opened : XX/XX/XXXX Issue : Unauthorized vehicle loan charge-off Law : FCRA 605B Must block account opened due to identity theft Story : I have never applied for any vehicle loan with XXXX XXXX. This account, which appears to be auto-related, is fraudulent. Someone may have used my personal data to fraudulently obtain credit in my name. I did not authorize or know about this account. 
XXXX XXXX XXXX Account : XXXX XXXX  High Balance : {$2200.00} | Date Opened : XX/XX/XXXX Issue : Fraudulent collection account from a third-party debt collector Law : FDCPA and FCRA 623 Debt collectors must validate debts before reporting Story : I have never received a notice or verification of any debt from XXXX XXXX  XXXX This account appeared on my credit report unexpectedly. I believe this collection was filed in error or due to fraud. I request validation or immediate deletion of this tradeline. 
XXXX XX/XX/XXXX Issue : Hard inquiry made without permission Law : FCRA 604 Accessing credit report requires legitimate purpose Story : I have no relationship with XXXX and never authorized a credit pull. This is damaging to my credit profile and must be deleted immediately. 
XXXX XX/XX/XXXX Issue : Hard inquiry conducted without permission Law : FCRA 604 ( a ) ( XXXX ) ( A ) Must have permissible purpose Story : I have no business with XXXX  and never applied for any credit product with them. This is an unauthorized access to my credit report and a breach of my rights. 
XXXX XX/XX/XXXX Issue : Inquiry occurred without a credit application Law : FCRA 604 No permissible purpose means violation Story : I never contacted XXXX  XXXX XXXX nor applied for any services. This unauthorized inquiry could be related to identity misuse or false data linking. 
Conclusion : Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws, I am requesting the immediate investigation and permanent deletion of all inaccurate, fraudulent, and unauthorized items listed above. These items are false, damaging, and were added to my credit report without lawful purpose or consent. I respectfully request that the CFPB take urgent action to hold the reporting agencies and furnishers accountable for these violations. I am attaching this complaint along with supporting documents and plan to report the matter to the FTC and local authorities.

Company response to consumer: Closed with non-monetary relief