Consumer complaint received 2025-07-10 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 due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : Incorrect Addresses Reported XXXX XXXX XXXX XXXX, CA XXXX Issue : I have never resided at this address Law : FCRA 602A and 609 ( c ) ( 2 ) ( E ) require accurate and verifiable consumer information Story : This address does not belong to me and its presence suggests possible misfiled data or identity confusion. Keeping it on record harms my identity verification, lending decisions, and violates my consumer rights. 
XXXX XXXX XXXX XXXX, CA XXXX Issue : Not linked to my identity Law : FCRA 611 ( a ) grants consumers the right to dispute inaccurate items Story : This address is a misreport. I have no connection with this property and its inclusion damages my credit integrity and profile. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Not mine Law : FCRA 609 ( c ) ( 2 ) and 604 ( a ) ( 2 ) prohibit inclusion of inaccurate consumer data Story : I have never lived here nor used this address for any credit-related purpose. It must be deleted immediately. 
Duplicate Entry : XXXX XXXX XXXX XXXX, CA XXXX Duplicate Issue : Same as above, repeated error Law : Same as above Story : Duplicated false entry causing compounded harm to my report integrity Duplicate Entry : XXXX XXXX XXXX XXXX XXXX, CA XXXX Duplicate Issue : Repeated wrong address Law : FCRA 611 ( b ) demands timely correction of repeated errors Story : Keeping duplicate wrong addresses reflects non-compliance with reinvestigation duty Disputed Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX | Chargeoff | {$3200.00} | Opened : XX/XX/XXXX XXXX XXXX  Issue : Unverified charge-off Law : FCRA 611, 609 ( a ) ( 1 ) ( A ) Story : This account was closed years ago and no documentation has been provided to prove its current balance or legal status. Reporting a charge-off without validating violates my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Late Payment | {$0.00} | Opened : XX/XX/XXXX XXXX XXXX  Issue : Late payment reported with {$0.00} balance Law : FCRA 607 ( b ), 605 ( a ) ( 5 ) Story : Account with XXXX balance should not report derogatory data without full documentation. This is misleading and harms my credit score. 
XXXX XXXXXXXX XXXX XXXX | Late Payment | {$0.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Outdated, unverifiable late payment Law : FCRA 605 ( a ) ( 5 ) limits reporting of adverse items over 7 years Story : This account is old and inaccurately flagged for a late payment. No evidence has been provided. 
XXXX XXXX XXXXXXXX XXXX | Chargeoff | {$470.00} | Opened : XX/XX/XXXX XXXX XXXX  Issue : No validation provided Law : FCRA 611, FDCPA 809 ( b ) Story : I never received notice of default, validation, or collection activity. Please validate or delete.=== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Late Payment | {$890.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Unverified late entry Law : FCRA 611 ( a ), 623 ( b ) Story : This payment record is in dispute and remains unverified. I request full investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Chargeoff | {$0.00} | Opened : XX/XX/XXXX XXXX XXXX  Issue : Inconsistent chargeoff report with {$0.00} balance Law : FCRA 607 ( b ) Story : Charged-off accounts must carry valid proof of loss. This shows XXXX owedthus invalid. 
XXXX XXXX XXXX XXXX XXXX XXXX  | Chargeoff | {$780.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Inaccurate aging of debt Law : FCRA 605 ( c ) Story : This charge-off may be re-aged to appear newer. Please validate and confirm date of first delinquency. 
XXXX XXXX XXXXXXXX | Chargeoff | {$550.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : No collection notice ever received Law : FDCPA 809 ( a ), FCRA 611 Story : This debt is being reported without prior notice. It's unverified and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Late Payment | {$0.00} | Opened : XX/XX/XXXX XXXX XXXX Issue : No balance, still derogatory Law : FCRA 607 ( b ) Story : If this account is resolved, no derogatory mark should remain. This violates accuracy standards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Chargeoff | {$400.00} | Opened : XX/XX/XXXX * * Issue : No record from creditor Law : FCRA 609 ( a ), FDCPA 809 ( b ) Story : No contract or charge record provided despite request. Please delete this unverifiable entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Late Payment | {$0.00} | Opened : XX/XX/XXXX XXXX XXXX  Issue : Closed, XXXX balance but reported late Law : FCRA 607 ( b ) Story : This account is closed and paid off. Any derogatory reporting after closure is incorrect. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | Late Payment | {$24000.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : High-balance derogatory without supporting data Law : FCRA 611 Story : I requested itemized payment history and never received it. Must be removed pending validation. 
XXXX XXXX | Late Payment | {$2400.00} | Opened : XX/XX/XXXXXXXX XXXX Issue : Disputed without investigation Law : FCRA 611 ( a ) ( 2 ) Story : I formally disputed this with the furnisher and bureau. No reinvestigation was initiated. 
XXXX XXXX XXXX  XXXX | Collection | {$360.00} | Opened : XX/XX/XXXXXXXX XXXX  Issue : Insurance billing issue, not credit Law : FCRA 603 ( d ), FDCPA 805 Story : Insurance bills are not credit instruments. This should not appear as a collection account. 
Unauthorized Hard Inquiries XXXX XX/XX/XXXX Issue : No permissible purpose for any of the above Law : FCRA 604 ( a ) ( 3 ), 616, 617 Story : I never authorized these inquiries and have not applied for credit with these institutions on or near those dates. These were either done without consent or result from a data breach. 
REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief