Consumer complaint received 2025-10-09 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies and unauthorized activities on my credit file that have caused me significant financial harm, stress, and unjust damage to my credit reputation. I am demanding immediate investigation and corrective action to ensure compliance with federal consumer protection laws. 

Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX This address is not associated with me in any capacity. I have never resided at this location. Reporting this address inaccurately constitutes a violation of my rights under the FCRA. It is misleading to lenders and other users of my credit report. Documentation from official sources confirms that I have no connection to this property. Misreporting addresses can result in erroneous credit denials. Under 15 U.S.C. 1681i ( a ) ( 1 ), credit bureaus must correct or delete unverifiable information. I demand verification of the source for this address and immediate removal if it can not be confirmed. Retaining this inaccuracy harms my credit reputation. This entry is completely unverifiable and unsubstantiated. Any continued reporting violates federal law. I request documentation of how this address was added. Removal is required to maintain report accuracy. Incorrect addresses increase the risk of identity theft. I demand written confirmation of deletion. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$5600.00} This account is being reported as a charge-off, which is inaccurate. I have documentation demonstrating timely payments and account management in good standing. The reported charge-off is unverifiable and misleading. Under 15 U.S.C. 1681i, bureaus must remove unverified negative information. Reporting this as a charge-off negatively affects my credit score and reputation. The creditor has not provided proof of delinquency. I request verification of the account status and immediate deletion if unverifiable. Reporting false information constitutes a violation of FCRA. I have maintained records of payment history supporting my claim. Unverified charge-offs are considered misleading reporting. The continued presence of this account is causing undue financial harm. I demand removal or correction. Failure to verify this account violates federal law. I expect full disclosure of verification steps. Any unverifiable negative account must be deleted immediately. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$10000.00} This account is inaccurately reporting late payments. I have evidence that payments were made on time per the loan agreement. Unverified negative reporting violates 15 U.S.C. 1681i ( a ) ( 1 ). The continued reporting of inaccurate late payments misrepresents my payment history. I demand verification with supporting documentation from the creditor. If unverifiable, all late payments must be removed. Misreporting impacts my creditworthiness and potential access to credit. Maintaining unverifiable entries is a violation of FCRA. I request immediate correction or deletion. Documentation supporting timely payments is available. I demand written confirmation of reinvestigation results. Any failure to remove unverifiable information constitutes legal noncompliance. This account has harmed my credit reputation unnecessarily. All negative reporting must be substantiated. Unverified late payments should be removed permanently. I expect strict adherence to FCRA guidelines. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} Late payments reported on this account are inaccurate. I have complete records proving timely payment. Under FCRA 623 ( a ) ( 5 ), furnishers must provide accurate information. Reporting unverifiable late payments is a violation of federal law. The negative reporting is misleading to creditors and affects my creditworthiness. I demand verification of all reported delinquencies. If the information can not be verified, deletion is required. Unverified late payments misrepresent my financial responsibility. I request full disclosure of verification results. Failure to correct or remove false entries constitutes a violation. I expect immediate reinvestigation and correction. Documentation confirms my compliance with payment terms. Retention of unverifiable information violates my rights. Unverified entries must be permanently removed. This account 's negative reporting is damaging and inaccurate.

I request CFPB to investigate these inaccurate address listings, the disputed charge-off, and unauthorized inquiry. Each item represents a violation of the FCRA and, where applicable, FDCPA. These inaccuracies are causing financial, emotional, and reputational harm. I demand reinvestigation, correction, and deletion of unverifiable or unauthorized items to restore my credit integrity. I expect CFPB oversight to ensure compliance and accountability from all involved credit reporting entities and furnishers.

Company response to consumer: Closed with non-monetary relief