Consumer complaint received 2025-07-11 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 formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX LAW ISSUE : FCRA 607 ( b ) mandates maximum accuracy of consumer information STORY : This address is not and has never been associated with me. Its inclusion reflects outdated or incorrect data. Please remove it. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX RIVERSIDE, CA XXXX LAW ISSUE : FCRA 602 mandates fair and accurate reporting STORY : I have never lived at this address. Its presence on my report is factually incorrect and harms my credibility with lenders. Remove it immediately. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : Chargeoff LAW ISSUE : FCRA 611 and 609 require validation of the reporting STORY : This account was closed with a XXXX balance and should not be marked as a charge-off. This misreporting damages my credit score and violates federal law. Please delete or correct. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Type : XXXX LAW ISSUE : FCRA 611 ( a ) ( 1 ) requires the bureau to conduct a reasonable reinvestigation STORY : This appears to be a duplicate entry of the previous XXXX XXXX  charge-off. Reporting the same balance under XXXX different entries is unfair and misleading. Please delete XXXX or both if unverifiable. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : XXXX LAW ISSUE : FCRA 623 ( a ) ( 5 ) requires accurate date reporting STORY : This account has a {$0.00} balance and should not be reported as a charge-off. The current status is misleading and unfairly affecting my creditworthiness. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Type : XXXX XXXX ISSUE : FCRA 605 ( a ) ( 4 ) enforces the XXXX limit STORY : This charge-off is too old to remain on my report. The original delinquency occurred over 7 years ago. Please remove this obsolete account. 

ACCOUNT : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : Multiple Dates Balances Owed : {$3500.00} to {$7200.00} Type : Late Payment LAW ISSUE : FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy in furnishing data STORY : My student loans were in forbearance or deferment status at various times. Reporting them as late is false and violates federal loan reporting standards. Please investigate and correct. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Type : XXXX XXXX ISSUE : FDCPA 807 ( 8 ) prohibits false representations STORY : I was never contacted about this alleged debt, and no validation was provided. Reporting a charge-off without due process is deceptive and violates my rights. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Type : XXXX XXXX ISSUE : FCRA 611 and FDCPA 809 ( b ) require proper verification STORY : This entry appears to be duplicated and unvalidated. I was not given an opportunity to dispute or settle this debt before charge-off. Please remove. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$190.00} Type : XXXX LAW ISSUE : FDCPA 807 prohibits misleading representations STORY : XXXX has failed to provide documentation proving this debt is mine. I request complete validation or deletion as required by law. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570.00} Type : Collection LAW ISSUE : FDCPA 809 requires debt validation upon request STORY : This utility bill was inaccurately reported without notice. I had closed my account with a XXXX balance. Please verify and delete if unsubstantiated. 

INQUIRY : XXXX XX/XX/XXXX LAW ISSUE : FCRA 604 ( a ) limits inquiries to permissible purpose STORY : These are XXXX identical inquiries from Capital XXXX on the same day. I did not authorize any of them. They are harming my score and must be deleted. 

INQUIRY : XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA 604 ( a ) ( 2 ) applies STORY : I have no account or application with this lender. This inquiry was made without my knowledge or consent. Please remove. 

INQUIRY : XXXX XX/XX/XXXX INQUIRY : CCB/CARTER XX/XX/XXXX XXXX ISSUE : FCRA 604 ( a ) - no permissible purpose STORY : I have no business or open applications with these institutions. They conducted credit checks without my knowledge or approval. These inquiries must be investigated and removed.

Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

Company response to consumer: Closed with non-monetary relief