Consumer complaint received 2025-08-05 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:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. 
XXXX XXXX XXXX, XXXX, CA, XXXX Issue : Another erroneous address affecting my credit report accuracy, never linked to my residential or financial history. 
Law : FCRA requires complete and accurate reporting ; knowingly maintaining errors violates consumer protection. Furthermore, inaccurate data may be considered reckless, opening liability.

Story : This misrepresented address continues to raise doubts when creditors review my credit. Incorrect entries not only hurt my chances for loans, but can also trigger unnecessary fraud alerts or account freezes. 

XXXX XXXXXXXX XXXX XXXX  XXXX, CA, XXXX Issue : False address data appearing on credit reports damages credibility and misrepresents my actual location. 
Law : The Equal Credit Opportunity Act ( ECOA ) and Fair Credit Reporting Act jointly protect against misleading consumer data that impacts credit evaluations.

Story : These wrong addresses have no link to me whatsoever. They introduce confusion during credit applications and lower my credit score unfairly. Accurate address history is critical to my credit integrity. 

Account Issues and Legal Points XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$12000.00} Status : Charge Off Issue : The charge-off on this account is incorrect or inaccurately reported. Either the balance or account status is erroneous. Charge-offs severely damage credit scores and should only reflect truthful information. 
Law : Under FCRA & Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of debts and dispute any inaccuracies. Incorrect charge-offs are a violation of these provisions, compounding harm by unjust credit damage. 
Story : This account had consistent payments and no defaults according to my records. The sudden charge-off status tarnishes my credit history and misleads lenders about my financial behavior. Immediate review and correction are necessary, as such errors impact my ability to secure future credit. 

XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$5300.00} Status : Charge Off Issue : This recent charge-off may reflect misapplied payments or clerical errors, unjustly harming my credit risk profile.

Law : Per FCRA Section 623 and FDCPA Section 809, I demand debt validation and removal of any inaccurate or unverifiable derogatory information. Charge-offs must be substantiated properly. 
Story : I have disputed this account with the creditor, as payment discrepancies exist. Despite my efforts, the charge-off remains, damaging my creditworthiness and contradicting my payment records. Such negligence violates my consumer rights and requires immediate correction. 

XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$25000.00} Status : Charge Off Issue : Improper reporting of charge-off status on this account is an error that impacts my credit history gravely. 
Law : FCRA Section 607 ( b ) obligates reporting agencies to ensure maximum possible accuracy. Incorrect charge-offs breach this duty, entitling me to correction and possibly damages for negligence. 
Story : I have maintained communication with XXXX XXXX to resolve discrepancies and settle amounts. Erroneous charge-off reporting misrepresents my account history and creates unwarranted obstacles to credit approval. Swift removal of these inaccuracies is mandatory to uphold my rights. 
Final Note : These errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : 1. Fully investigate all inaccurate accounts, addresses, and inquiries.

2. Compel the furnishers to provide documented proof or delete the items.

3. Ensure all entities comply with the FCRA and FDCPA.

4. Provide a written resolution within the legal timeframe.

Thank you for your time and support in helping protect my consumer rights.

Company response to consumer: Closed with non-monetary relief