Consumer complaint received 2025-08-29 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 because my credit report is showing inaccurate, incomplete, and unverified information that is causing me severe financial and personal harm. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and in some cases also violate the Fair Debt Collection Practices Act ( FDCPA ). The law requires credit reporting agencies and furnishers to report only accurate, verifiable, and complete information. The following items must be deleted or corrected immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This address does not belong to me and has been incorrectly placed on my file. Law : FCRA 609 ( a ) requires consumer reporting agencies to report only accurate information. Story : This is not my residence, nor do I have any connection to it. The presence of this address on my report creates serious risks for me, including being linked to accounts or debts that are not mine. Such false reporting can also lead to credit denials because creditors may think I lived at multiple unstable addresses, which is not true. It is unfair and damaging to my character and financial stability. 
XXXX XXXXXXXX High Balance : {$720000.00} Date Opened : XX/XX/year> Late Payment Issue : This account is reporting late payments without proper proof or validation. Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information. Story : The account balance reported is extremely large, yet no documents have been provided to show I was actually late. Reporting late payments on such a high balance account severely damages my credit score and falsely portrays me as financially irresponsible. This is extremely unfair because creditors and potential lenders view me as a high-risk borrower based on inaccurate information. This has already made it difficult for me to get fair interest rates, loan approvals, and has caused emotional distress knowing that false data is being used against me. 
XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/year> Charge Off Issue : A charge-off is listed even though the balance is reported as zero, which is contradictory and inaccurate. Law : FCRA 607 ( b ) requires maximum possible accuracy, and FDCPA prohibits reporting unverified debt. Story : This reporting makes it appear as though I defaulted on an account when there was no balance at all. It is unfair and harmful because it paints me as someone who walks away from obligations, which damages my credibility with lenders. This false entry has already created difficulties for me in accessing fair credit and creates a misleading narrative of my financial history. 
XXXX XXXX XXXX High Balance : {$11000.00} Date Opened : XX/XX/year> Charge Off Issue : This account is reported as a charge-off without proper validation. Law : FCRA 611 requires that any disputed information must be verified within XXXX days, or it must be deleted. Story : This charge-off has been placed on my file without evidence. Such an entry has a heavy negative impact on my credit score and makes it extremely difficult for me to secure credit, rent housing, or even apply for certain jobs. This is unjust because no supporting documents have been provided to prove its accuracy. Instead, I am left with the stigma of being seen as someone who defaulted, which is not correct. 
XXXX XXXX High Balance : {$9000.00} Date Opened : XX/XX/year> Charge Off Issue : This account is reported as a charge-off without any supporting documentation or validation. Law : FCRA 611 requires disputed information to be verified within XXXX days or removed, and FDCPA 809 requires debt validation. Story : A charge-off is one of the most serious derogatory marks and unfairly destroys my creditworthiness when it is not accurate. Without validation, this reporting is misleading, harmful, and unlawful. It portrays me as someone who abandoned financial responsibility, which is false, and it blocks me from accessing fair lending, housing opportunities, and employment. 
In conclusion, these accounts are inaccurate, incomplete, duplicative, and unverified, in violation of the FCRA and FDCPA. They severely harm my credit score, misrepresent my financial history, and cause unjust denials of credit, housing, and other opportunities. I demand immediate deletion of these accounts, a full reinvestigation into their validity, and written confirmation of the results within the legally required timeframe under FCRA 611.

Company response to consumer: Closed with non-monetary relief