Consumer complaint received 2025-10-21 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 the Consumer Financial Protection Bureau, I am filing this complaint because several items on my credit report are inaccurate, unverified, and damaging to my credit profile. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request a full reinvestigation and correction. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address does not belong to me and has no legitimate link to my identity. Reporting this inaccurate address is a direct violation of FCRA 607 ( B ), which mandates that credit bureaus maintain maximum possible accuracy. The inclusion of this false information XXXX lead to the mixing of my file with another consumer, violating my right to accurate identification. I demand its immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX This address is not, and has never been, associated with me. Reporting an address that has no verifiable relation to my identity or residence is misleading and harmful under FCRA 602 ( A ). Continuing to list false identifying information reflects negligence and must be corrected immediately by deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never lived or received mail at this address. Including false or unverifiable addresses violates my right to accurate reporting under FCRA 611 ( a ) and 607 ( B ). Such errors can cause confusion and potential fraud linkage. This address must be deleted without delay. 

ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charge Off * * This account is being inaccurately reported as a charge-off with no proper documentation proving ownership, payment history, or delinquency. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reason to believe is inaccurate. No validation or verification has been provided to confirm this account belongs to me, and it must be deleted immediately under FCRA 611 ( a ) ( 5 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Charge Off * * This account has been reported without verifiable documentation or proof of assignment from the original creditor. Reporting unverifiable data violates FCRA 602 ( A ) and FDCPA 807 ( 8 ), which prohibits furnishing false or misleading credit information. Since the accuracy of this account can not be proven, I demand its deletion to comply with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Charge Off * * This is a third-party debt buyer account that has failed to provide proper validation or a legal chain of custody showing ownership of the alleged debt. Under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), I have the right to request and receive verification from the original creditor. Since none has been provided, this reporting is unlawful and must be removed from my credit file immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00} Charge Off * * This account is inaccurate and unverifiable. XXXX XXXX XXXX has not provided any original signed agreement, account history, or validation proving that I owe this debt. Reporting unverifiable information violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). As required by law, this entry must be deleted. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4300.00} Collection * I dispute this collection as I have never held any lease or contract with this company. Reporting a collection without validation of debt violates both FCRA 611 ( a ) ( 1 ) and FDCPA 809 ( b ). No legal notice or verification has been sent to me as required, making this entry unverifiable and unlawful. Delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Collection * * There is no documentation, contract, or record proving that I owe this debt. FCRA 602 ( A ) and 623 ( a ) ( 1 ) ( A ) require that all reported accounts be verifiable and accurate. Since this alleged debt can not be substantiated, its presence violates federal reporting standards and must be deleted promptly. 

XXXX XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX Balance Owed : {$150.00} Collection * * This account is completely inaccurate and does not belong to me. I have never had any service or account with XXXX XXXX. Reporting such false information without validation violates FCRA 607 ( B ) and FDCPA 807 ( 8 ). This collection must be deleted immediately as it is unverifiable. 

INQUIRIES XXXX XXXXXX/XX/XXXX This inquiry was made without my authorization and violates FCRA 604 ( a ) ( 2 ), which states that a consumers written consent is required for credit access. This inquiry has negatively impacted my credit score and must be deleted immediately. 

XXXX  XX/XX/XXXX This inquiry was unauthorized and made without permissible purpose. Under FCRA 604 ( a ) ( 3 ) and 607 ( B ), the reporting of unauthorized inquiries is illegal and must be removed from my file. 

These inaccurate entries have caused harm to my credit and financial opportunities. Under FCRA Section 611 ( a ) ( 1 ) ( A ), I request that each item be reinvestigated and deleted if unverifiable. Please confirm the corrective actions taken within the allowed time frame.

Company response to consumer: Closed with non-monetary relief