Consumer complaint received 2025-08-21 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:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : Under FCRA 1681c-2 and 1681i, consumer reporting agencies must not report inaccurate or unverifiable addresses Story : I have never resided at this address, nor have I ever received mail, opened an account, or had any connection to this location. Including it on my credit file causes serious confusion and could be an indicator of mixed files or identity theft. This creates a false representation of my residency history and can negatively affect my credibility with potential lenders and institutions. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : Reporting an incorrect or unverifiable address violates my rights under FCRA 1681e ( b ) which requires maximum possible accuracy of consumer information Story : This address does not belong to me and has never been associated with my name, Social Security number, or credit activity. Its presence is damaging because it may mislead lenders into believing I have ties to areas or accounts that I do not. This type of inaccuracy compromises the integrity of my file and may cause my report to be linked to accounts that are not mine. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7100.00} Chargeoff Law/Issue : Under FCRA 1681i ( a ) and 1681s-2 ( b ), furnishers and CRAs must provide verifiable proof of the accuracy of reported accounts, and unverifiable or inaccurate accounts must be removed Story : This account is reported as a chargeoff but no proper validation has ever been provided to me. I have not received any signed contract, itemized statements, or documents proving the validity of this debt. Reporting an account without full verification violates federal law and harms my creditworthiness. This has a negative impact on my ability to access fair credit, secure housing, or even obtain reasonable insurance rates. Without proof, this item must be removed immediately. 

Inquiry XXXX XXXXXX/XX/XXXX Law/Issue : FCRA 1681b requires that inquiries be made only with a permissible purpose ; unauthorized inquiries must be removed Story : I did not authorize this inquiry and have never sought financing or applied for credit with this company. The presence of this inquiry is both unauthorized and harmful because it lowers my credit score and creates the appearance that I applied for credit I did not seek. This can mislead lenders into thinking I am applying for multiple accounts and increase risk perception unfairly. 

Inquiry XXXX XXXXXX/XX/XXXX Law/Issue : Under FCRA 1681b, inquiries without my consent or a legitimate credit-related reason are unlawful and must be deleted Story : I never authorized this company to access my credit file. I have no relationship, no application, and no account with them. The inquiry was placed without my permission and has caused harm by lowering my score and suggesting activity that never occurred. This is a clear example of an impermissible pull, and it must be removed immediately to protect the accuracy of my report. I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing
unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief