Consumer complaint received 2025-10-02 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 writing to formally dispute multiple inaccuracies, fraudulent accounts, and unauthorized inquiries on my credit report that have caused severe harm to my financial reputation, creditworthiness, and personal security. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which requires credit reporting agencies to ensure that all reported information is accurate, complete, and verifiable. Repeated reporting of accounts, late payments, charge-offs, and inquiries without my knowledge or authorization constitutes serious violations, resulting in undue stress, potential financial loss, and risk of identity theft. 
Incorrect Addresses Reported on My Credit Report : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I have never lived, owned property, or authorized any financial activity at this address. Its reporting falsely implies residential ties that do not exist, creating confusion and potential harm to my creditworthiness. Immediate correction or deletion is warranted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me and has never been associated with my financial history. Its presence on my credit report suggests fraudulent activity and could adversely impact my ability to secure loans, housing, and other financial services. I request that this incorrect entry be deleted immediately. 
Disputed Accounts : XXXX XXXX XXXX Account XXXX * High Balance : {$510.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment I have never made a late payment on this account. Reporting it as late is factually incorrect and misrepresents my financial responsibility. This inaccurate reporting affects my credit score, potentially increasing my interest rates and limiting access to new credit. I request that this account be corrected to reflect accurate, timely payment history, as required under FCRA Section 1681i ( a ). 
XXXX XXXX Account XXXXXXXX XXXX XXXX High Balance : {$10000.00} | Date Opened : XX/XX/XXXX | Reported as Charge Off I have no knowledge of this account. I never opened, authorized, or received services for it. Reporting it as a charge-off is fraudulent, damaging my credit score, and exposes me to potential legal and financial consequences. This account must be immediately deleted from all credit reporting agencies, as its reporting is unauthorized and invalid. 
Unauthorized Inquiries : XXXX XX/XX/XXXX I did not authorize this inquiry. Reporting it violates my rights under FCRA and must be removed. 
XXXX  XX/XX/XXXX I have no connection to this inquiry. Its presence is inaccurate and fraudulent. Removal is necessary. 
These inaccurate accounts and unauthorized inquiries are causing measurable harm to my credit profile, financial opportunities, and personal security. They may indicate potential identity theft or fraudulent activity that requires urgent investigation. I request the CFPB to take immediate action to compel all reporting agencies to investigate, correct, or delete these entries and provide written confirmation that these corrections have been completed. 
I further request documentation of any verification the reporting agencies claim to have obtained regarding these accounts and inquiries. I expect a full resolution in compliance with FCRA, including permanent corrections to prevent future misreporting. 
I certify under penalty of perjury that the information provided herein is accurate to the best of my knowledge.

Company response to consumer: Closed with explanation