Consumer complaint received 2025-09-11 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:
I am filing this complaint with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$3300.00} XXXX XXXX I dispute the accuracy of this charge-off account in its entirety. The balance is incorrect, the dates of delinquency are not accurately reported, and the status appears to be outdated or unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reason to know is inaccurate. This account must be verified with proper documentation including original signed contract, full payment history, and proof that the balance is correct. Re-reporting disputed information without correction or proper reinvestigation would violate FCRA 623 ( b ). If this account can not be verified with original documentation from the furnisher, you are required under FCRA 611 to delete it completely from my credit file. The continued inaccurate reporting is causing measurable harm to my credit profile and my ability to obtain fair credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXXXX/XX/XXXX Balance Owed : {$7100.00} XXXX XXXX I dispute this charge-off account because the reported balance, date of first delinquency, and status are not accurately reflected. The furnisher must provide original signed contract, payment history, and proof of the charged-off amount or you must delete the account entirely. Reporting unverifiable or outdated negative data violates FCRA 623 and 611. The harm caused by inaccurate charge-off reporting is significant, including higher insurance rates and lost credit opportunities. If you can not verify the account with proper documentation, you must delete it permanently and provide me with a reinvestigation report confirming the action taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} XXXX XXXX This account is being reported with an inaccurate balance and status indicating a charge-off. I have reason to believe this information is either outdated or incorrect, and I demand full verification. Under FCRA 623 ( b ), the furnisher must conduct a reasonable investigation and correct any inaccurate data. Continuing to report incorrect charge-off information is damaging my credit profile and must be corrected or removed if not verifiable. I expect this account to be validated with complete documentation or permanently deleted within the 30-day reinvestigation period.

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

Company response to consumer: Closed with non-monetary relief