Consumer complaint received 2025-08-30 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 submitting a complaint regarding multiple inaccuracies, unverifiable accounts, wrong addresses, and unauthorized inquiries on my credit report. These errors are causing severe financial, personal, and emotional harm. I request immediate investigation, correction, and deletion of the following items : Wrong Addresses ( Identity/Mixed File Issues FCRA 607 ( b ), 609, 611, FDCPA 807 ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address has never been mine. Because it is reported under my name, I have been flagged for fraud and my applications for loans, rental housing, and utilities have repeatedly been denied or delayed. Each denial caused financial strain, forcing me to pay higher deposits and interest rates elsewhere. I have spent countless hours correcting these errors, and the reporting continues to create stress and damage my creditworthiness. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Wrong Address This address is also false. It is affecting my ability to prove residency, causing landlords and financial institutions to question my identity. The repeated rejections have led to increased anxiety, financial loss, and serious inconvenience. Reporting addresses I never lived at is a violation of FCRAs requirement for accuracy and maximum possible accuracy. 
Accounts in Dispute ( FCRA 611, 623 ; FDCPA 807, 809 ) XXXX  XXXX XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that are inaccurate. I never received proper statements or notice of delinquency. Because of these false late payments, my credit score dropped significantly, causing higher interest rates on my car insurance and mortgage refinancing applications. The financial impact is tangible : I have had to pay thousands more due to these errors. 
XXXX XXXX XXXX High Balance : {$5100.00} Date Opened : XX/XX/XXXX Late Payment This account also reflects late payments without verification. I have requested original agreements and a complete ledger multiple times but received no documentation. These false entries have prevented me from securing loans for personal and professional purposes. The ongoing reporting is unlawful under FCRA 623 and continues to directly harm my financial stability. 
XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Chargeoff This charge-off is entirely inaccurate. I was never notified of default properly, and no accounting records or signed agreements have been provided. This false charge-off has caused repeated loan rejections, blocked me from refinancing at favorable rates, and created reputational harm when financial institutions assess my reliability. The emotional distress from dealing with repeated denials and inquiries about this account has been extreme. 
XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment The reported late payments are inaccurate. I have never been late as reported. Because of this account, my creditworthiness is questioned, my mortgage and car loan applications have been delayed or denied, and I have had to pay more in interest. This continued false reporting violates FCRA 611 ( a ). 
XXXX XXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late Payment The alleged late payments are false and unverifiable. I have requested full documentation from the creditor but received none. This has prevented me from consolidating debt at lower rates, causing increased monthly payments and financial stress. It also affects my professional life, as lenders assume financial instability when considering my applications. 
XXXX  XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting inaccurate late payments. As a result, I have been denied auto financing, forced to pay higher insurance premiums, and lost opportunities to refinance personal and business loans. The financial and emotional impact is severe, causing ongoing stress and anxiety. 
Hard Inquiries ( FCRA 604, 615 ) XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry These inquiries were made without my authorization. I never gave written consent, nor did I initiate these checks. Unauthorized inquiries reduce my credit score and falsely indicate that I am actively seeking multiple lines of credit. This false perception has caused lenders and landlords to deny applications, leading to financial loss, higher interest rates, and personal stress. Immediate deletion of these unauthorized inquiries is required. 
What I want the company to do : Investigate and verify each account and inquiry.

Remove all unverifiable, inaccurate, or unauthorized information.

Correct my credit report and confirm in writing that the corrections have been made.

Additional Information : All reported information is either inaccurate, unverifiable, or unauthorized. Continued reporting violates FCRA 611, 623, 616, and 617. These errors have caused financial loss, emotional distress, and disruption of my daily life.

Company response to consumer: Closed with non-monetary relief