Consumer complaint received 2025-07-15 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:
Dear CFPB Investigator, I am filing this formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, misleading, and unverified information on my credit report. Despite my efforts to dispute these items directly with the credit bureau, they remain on my file and are actively harming my financial reputation, credit score, and access to fair credit. 

Below is a detailed list of the inaccurate items, including specific violations of federal law : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Issue : This is an inaccurate address not associated with me. 
Law : FCRA 1681c ( a ) ( 4 ) and 1681e ( b ) CRAs must report accurate identifying information and ensure maximum possible accuracy. 
Story : I have never lived at or had any affiliation with this address. Its presence on my report is likely due to a mixed file or data entry error. This false information can lead to accounts being incorrectly attributed to me and has no place on my credit file. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Incorrect address reporting. 
Law : FCRA 1681e ( b ) Story : I have no history or connection with this P.O. Box. The appearance of this address could create confusion for data furnishers or lenders and contributes to misrepresentation of my credit profile. 

3. XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX | Balance : {$6100.00} Issue : Charged-off account still reporting an active balance. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) ; Metro 2 Compliance Story : This account is reporting as both charged off and actively owed, which is inconsistent and misleading. If charged off, the balance should not continue to report monthly. This practice unfairly inflates my debt load and damages my credit profile. 

4. XXXX XXXX * * * Date Opened : XX/XX/XXXX | XXXX : {$1200.00} Issue : Inaccurate late payment reporting. 
Law : FCRA 1681i ( a ) ; 1681s-2 ( b ) Story : I never received notice of a late payment, nor have I received validation of this derogatory remark. It appears to be a reporting error or miscommunication from the furnisher, yet Equifax continues to publish it without verification. 

5. XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$290.00} Issue : Late payment inaccurately listed. 
Law : FCRA 1681e ( b ) ; 1681s-2 ( b ) Story : I have not defaulted on this account. The reporting is inaccurate, unvalidated, and harmful. No evidence has been provided by Equifax or the furnisher to support the late status. 

6. XXXX XXXX XXXXXXXX XXXX * Date Opened : XX/XX/XXXX | Balance : {$6000.00} Issue : Reporting as a charge-off with an open balance. 
Law : FDCPA 807 ( 2 ) ( A ) ; FCRA 1681s-2 ( b ) Story : This dual status is confusing and misrepresents my financial obligations. It suggests both default and active liability, which contradicts standard credit reporting guidelines and harms my credit reputation. 

7. XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$0.00} Issue : Charged-off account with XXXX balance still reporting. 
Law : FCRA 1681e ( b ) Story : This account is fully resolved and has no balance, yet the charge-off label remains. This outdated derogatory mark is unfairly penalizing me without cause. 

8. XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$0.00} Issue : Old charge-off still listed with {$0.00} balance. 
Law : FCRA 1681s-2 ( a ) ; Metro 2 Compliance Story : This account is years old and closed, yet continues to report as a negative item. Since it no longer holds a balance or reflects current credit behavior, it should be removed. 

9. XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$1900.00} Issue : Collection account with no debt validation.

Law : FDCPA 809 ( b ) ; FCRA 1681g Story : I never received a validation notice from this collector. The debt was not verified per federal law, and its reporting is illegal and unjustified. Until verified, it should not appear on my credit report. 

Requested Action : I respectfully request that the CFPB launch an investigation into Equifaxs continued reporting of this inaccurate and unverified information. These items are being published in violation of the FCRA and FDCPA, and Equifax has failed to meet its obligation to report only accurate, complete, and verifiable information. 

If the data furnishers can not provide legally valid evidence and full documentation to support these accounts and address listings, I request that the CFPB compel Equifax to permanently delete them. 

Please keep me informed of any developments or requests for further information. I have attached identity documentation and a recent copy of my credit report.

Company response to consumer: Closed with non-monetary relief