Consumer complaint received 2025-08-22 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 complaint to formally dispute multiple inaccuracies and violations on my credit report, which have caused me substantial financial harm, XXXX XXXX and reputational damage. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate reporting and the correction or removal of any information that is inaccurate, incomplete, or unverifiable. Despite repeated attempts to resolve these matters directly with the creditors and credit reporting agencies, these inaccuracies persist, leaving me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ). 
XXXX XXXX XXXX, XXXX, CA XXXX Wrong Address Issue : This address is incorrectly listed as my residence. 
Law : FCRA 1681i ( a ) ( 1 ) Duty of credit reporting agencies to maintain accurate information.

Story : I have never lived at this location. Its presence on my credit report has caused misdirected correspondence, including important account notices, and has created unnecessary XXXX  and confusion with lenders and creditors. I have had to spend countless hours tracking down communications and clarifying my identity, which has resulted in delayed payments and potential damage to my credit history. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Wrong Address Issue : Inaccurate address reporting. 
Law : FCRA 1681e ( b ).

Story : Including this address on my credit report has caused additional confusion for creditors, led to miscommunications, and further amplified the XXXX  of managing my credit responsibly. 
XXXX, Account # XXXX Charge-off, High Balance {$24000.00}, Opened XX/XX/XXXX Issue : Improper charge-off reporting. 
Law : FCRA 1681s-2 ( b ) Obligation of furnishers to report accurate information.

Story : This account has been reported as a charge-off despite my attempts to resolve disputes directly with XXXX. The charge-off does not reflect the true status of my account. Its continued reporting is causing significant damage to my credit score and hindering my ability to access fair lending opportunities. I have provided documentation showing my compliance with payment obligations, yet the inaccuracy persists. 
XXXX XXXX XXXX, Account # XXXX Late Payment, High Balance {$2000.00}, Opened XX/XX/XXXX Issue : Incorrect reporting of late payment. 
Law : FCRA 1681s-2 ( b ) ; 12 C.F.R. 1022.41 Duty to correct inaccurate reporting.

Story : I have consistently made timely payments on this account. Reporting a late payment that did not occur is misleading and unfairly damages my credit profile. This misinformation could result in higher interest rates, loan denials, and other financial setbacks. 
XXXX XXXX XXXX, Account # XXXX Late Payment, High Balance {$60.00}, Opened XX/XX/XXXX Issue : Falsely reported as late. 
Law : FCRA 1681s-2 ( b ).

Story : Despite my punctual payments, this account was reported as late, which is a violation of my rights. I have documentation proving all payments were made on time. The false report undermines my financial credibility and causes ongoing XXXX  and difficulty in managing my credit. 
Credit Inquiries Unauthorized or Questionable Accounts/Inquiries : XXXX XX/XX/XXXX. 
Issue : Multiple inquiries were made without my knowledge or authorization.

Law : FCRA 604 ( a ) ( 3 ) ( A ) Inquiries must have permissible purpose.

Story : These unauthorized inquiries have unnecessarily lowered my credit score and suggest activity I did not initiate. Each inquiry implies potential financial risk that I have never consented to, creating confusion with lenders and increasing the burden of explaining my financial situation repeatedly. The excessive and unauthorized reporting of inquiries is a serious violation of FCRA and has caused ongoing XXXX, reputational damage, and obstacles in accessing fair financial services. 
The repeated reporting of inaccurate addresses, false account statuses, and unauthorized inquiries is unacceptable and constitutes multiple violations of federal law. I demand that all errors be immediately investigated and corrected, and that any unverifiable or unauthorized information be permanently removed from my credit file. The continued misreporting has caused severe XXXX, financial inconvenience, and loss of opportunity. I request written confirmation from all reporting agencies and furnishers that corrections have been made, along with an updated copy of my credit report reflecting these corrections. I reserve the right to take further legal or administrative action if these issues are not fully and promptly resolved.

Company response to consumer: Closed with explanation