Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple false addresses, inaccurate account reporting, and unauthorized credit inquiries. These serious violations have caused significant damage to my credit profile, hindered my ability to obtain credit, and harmed my financial reputation. The reporting parties and credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy, by continuing to report unverified and disputed information, and by allowing unauthorized access to my credit file. I am demanding that the CFPB take immediate enforcement action to investigate, compel compliance, and ensure permanent removal of all inaccurate and unauthorized information from my credit report. 
ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) Issue : Wrong address reporting.

Story : I have no record of residing at this address. Including it on my credit profile violates the requirement to maintain maximum possible accuracy in consumer reports. 
Instruction : Remove this address from my file immediately. 
ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) Issue : Unrelated address listed on my report. 
Story : I have never lived at this location. It may have been added because of a creditors reporting error or mistaken identity. 
Instruction : Remove this address immediately. 
ACCOUNT : XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$1400.00} Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611 ( A ) Issue : Reporting as a charge-off without proper verification.

Story : I have never received proper documentation validating this debt. The account appears inaccurate and may be the result of identity confusion or erroneous reporting. 
Instruction : Provide full validation including signed application and payment history, or delete immediately. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$630.00} Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611 ( A ) Issue : Inaccurate balance and status reporting.

Story : No verifiable contract or original agreement has been provided. Reporting a charge-off without validation harms my credit standing unfairly. 
Instruction : Verify with original documentation or delete. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} Late Payment Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) Issue : Late payment is inaccurate for a XXXX  balance account.

Story : A late payment should not be reported when the account shows no outstanding balance and no delinquency verified by original creditor records. 
Instruction : Remove the late payment notation. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1000.00} Collection Law : FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611 ( A ), FDCPA 809 ( B ) Issue : No proof of debt ownership or assignment to collection agency. 
Story : I have not received validation under FDCPA or any original signed agreement to confirm this debt is mine. 
Instruction : Delete or provide full validation. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX {$610.00} Collection Law : FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611 ( A ) Issue : Inaccurate reporting by collection agency.

Story : The creditor has not provided verifiable proof of the debt or lawful collection rights. 
Instruction : Remove this account from my report. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX {$610.00} Collection Law : FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611 ( A ) Issue : No verifiable proof of account ownership or accuracy. 
Story : I dispute the validity of this collection as I have no recollection of it and no documentation has been supplied. 
Instruction : Delete this entry immediately. 
ACCOUNT : XXXX XXXX XXXX Date Opened XX/XX/XXXX {$200.00} Collection Law : FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611 ( A ) Issue : Utility account in collection without proof of service address match. 
Story : I have not lived at any address linked to this account, making the reporting invalid. 
Instruction : Remove this collection account. 
INQUIRY : XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( A ), 607 ( B ) Issue : Unauthorized hard inquiry.

Story : I did not authorize this credit pull, and no permissible purpose has been shown. 
Instruction : Remove this inquiry. 
I am requesting that the CFPB exercise its authority to enforce the provisions of the FCRA and hold the credit reporting agencies and furnishers accountable for these ongoing violations. The reporting of inaccurate addresses, unverified charge-off accounts, and unauthorized inquiries is a direct breach of my consumer rights. These actions have caused measurable harm to my creditworthiness and personal integrity. I demand that the CFPB require immediate deletion of all disputed and unverified items, removal of unauthorized inquiries, and provide me with written confirmation of all corrections within 30 days. Failure to address these violations will leave me no choice but to pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief