Consumer complaint received 2025-11-19 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 filing this complaint because multiple inaccurate addresses, unauthorized inquiries, late payment reporting that never occurred, and fraudulent charge-off accounts have been placed on my credit file. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), including my right to accurate reporting, proper verification, and a complete reinvestigation. I have repeatedly tried to correct these issues but they remain, which shows a failure to maintain reasonable procedures under FCRA 1681e ( b ) and a failure to conduct a lawful reinvestigation under FCRA 1681i. These mistakes are causing harm, denial of credit, emotional distress, and financial instability. I am requesting immediate correction and deletion of all inaccurate items listed below. 

XXXXXXXX XXXX XXXXXXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * I never made any late payments on this account. Reporting false late history violates FCRA 623 because furnishers must report complete accuracy and the bureau must maintain 602A and 607 ( B ) accuracy standards. Correct the payment history because it is inaccurate and not supported by records. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Chargeoff * * I have no knowledge of this account and never opened it. Reporting an unknown chargeoff violates 602A and 607 ( B ). No documentation has been provided under 611 or 609, so this item must be deleted.. 

XXXX Account No : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Chargeoff * * This account does not belong to me. Reporting an unverified chargeoff violates FCRA 602A and 607 ( B ). Since no valid contract or verification was produced under 609 or 611, it must be deleted. 

XXXX Account No : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$480.00} Chargeoff * * I do not know this account. It appears to be part of a mixed-file issue. No supplier has provided proof under 609 and no verification exists under 611. This violates FCRA 602A and 607 ( B ) and must be deleted. 

XXXX Date : XX/XX/XXXX I did not approve this inquiry. Reporting it without proof violates FCRA 604 and 607 ( B ). 

XXXX  Date : XX/XX/XXXX I do not know this inquiry. No documentation was provided. It violates 604 and must be removed. 

XXXX Date : XX/XX/XXXX I did not authorize this inquiry. It violates FCRA 604 and must be deleted under 611. 

To conclude, all of these errors reflect a failure to maintain maximum possible accuracy, a failure to reasonably investigate, and a failure to ensure furnishers report correct information as required under federal law including FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ). These issues have caused severe damage to my creditworthiness and financial opportunities. I am demanding immediate removal or correction of these inaccurate addresses, deletion of all unauthorized inquiries, correction of false late payment reporting, and full deletion of all charge-off accounts that I do not recognize. I request a full CFPB-mandated reinvestigation into each item based on federal law.

Company response to consumer: Closed with non-monetary relief