Consumer complaint received 2025-10-31 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 this formal complaint against several credit reporting inaccuracies and unverifiable accounts that are currently being reported on my credit file. These errors have caused significant harm to my credit profile and financial reputation. Despite my previous disputes with the credit reporting agencies, the inaccurate information continues to appear on my report. 

Below are the specific items in question : Wrong Addresses Reported : XXXX XXXX XXXX, XXXX XXXXXXXX This is not and has never been my address. 

XXXX XXXX XXXX, XXXX XXXXXXXX This is not and has never been my address. 

These addresses are completely unfamiliar to me and appear to be linked to identity confusion or reporting errors. I request immediate removal of these incorrect addresses from my credit file. 

Unverified and Inaccurate Accounts : XXXX XXXX XXXXXXXX XXXX High Balance : {$4800.00} Date Opened : XX/XX/XXXX Reported as Charge Off. 

I have no knowledge of this account. It is not mine and appears to be the result of mistaken identity or reporting error. 

I am requesting full validation or deletion from my credit report if it can not be verified with original documentation. 

XXXX XXXX XXXX High Balance : {$4200.00} Date Opened : XX/XX/XXXX Reported as Charge Off. 

I do not recognize this account and have no recollection of ever opening it. This account must be deleted if the furnisher can not provide proper validation with original signed documentation. 

XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Reported as Charge Off. 

I have no knowledge of this account and never authorized any account under this number. It is inaccurate and unverifiable. 

XXXX XXXX XXXX XXXX  High Balance : {$1800.00} Date Opened : XX/XX/XXXX Reported as Collection. 

I have no knowledge of this account or any dealings with this company. I request immediate investigation and deletion of this item if it can not be verified with proper documentation. 

XXXX XXXX XXXX XXXXXXXX High Balance : {$110.00} Date Opened : XX/XX/XXXX Reported as Collection. 

I have no record or recollection of this account. This appears to be erroneous reporting and must be removed immediately if unverifiable. 

These accounts are damaging my creditworthiness and are being reported in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate, complete, and verifiable. 

I am requesting that the CFPB conduct a thorough investigation into these inaccuracies and ensure that the credit bureaus and furnishers comply with the FCRA. Specifically, I demand : Immediate removal of the incorrect addresses.

Deletion of all unverifiable and inaccurate accounts listed above. 

Written confirmation once corrective actions are completed. 

I appreciate your prompt attention to this matter. Please keep me informed of any updates or responses received from the data furnishers or credit bureaus.

Company response to consumer: Closed with explanation