Consumer complaint received 2025-10-03 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: VA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and misleading information appearing on my credit report. The reporting of incorrect addresses and account statuses by credit reporting agencies and furnishers has caused significant harm to my financial standing, creditworthiness, and access to credit. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting immediate corrective action. 

Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no connection to this address. Reporting it falsely violates FCRA 609 ( b ) regarding accuracy of personal data. No documents, bills, or correspondence prove residency. Including it misrepresents my address history to lenders. The information is unverified and misleading. Its reporting may negatively influence credit decisions. I request deletion of this false address immediately. Maintaining it violates my legal rights under FCRA. No legitimate reason exists for it to appear on my report. Immediate correction is required to ensure accuracy. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$0.00}, Chargeoff I never authorized the reporting of this charge-off. Reporting it as a charge-off is inaccurate. FCRA 623 ( a ) ( 1 ) ( A ) requires that all information reported be complete and accurate. My balance has been {$0.00}, and the charge-off is misleading. No documentation supports the charge-off status. This error harms my creditworthiness and misleads lenders. I request full verification of this account. If unverifiable, it must be deleted. Maintaining false status violates FCRA 609 ( a ). I have never missed payments that justify a charge-off. The account is reported incorrectly. Reporting a XXXX balance as a charge-off is inaccurate. This false information is misleading and damaging. Immediate correction or removal is required. Failure to correct may constitute a violation of FCRA. I demand written confirmation of its correction. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$470.00}, Chargeoff * * This account is misreported as a charge-off. I have maintained all payments and never authorized misreporting. FCRA 611 ( a ) requires accurate and complete reporting. No documentation supports a charge-off status. Reporting this incorrectly is misleading and harms my credit. Lenders may view my creditworthiness unfairly due to this error. I request immediate reinvestigation. If unverifiable, delete it from my report. Reporting false information violates FCRA 623 ( a ). This inaccuracy must be corrected promptly. I have no knowledge of any late payments or defaults. The account is reported inaccurately. Maintaining this false status is legally noncompliant. It negatively affects my credit history. Correcting or deleting it is required by law. I demand written confirmation of reinvestigation results. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$2400.00}, Late Payment * * The reported late payment is inaccurate. I have never missed a payment for this account. FCRA 623 ( a ) ( 1 ) ( A ) and 609 ( a ) require accurate reporting. No supporting documentation exists for the late payment. Misreporting this account harms my creditworthiness. Lenders may misinterpret my payment history. I request full verification and correction of this error. If unverifiable, it must be deleted. Maintaining false late payment information is misleading. This error is damaging to my financial reputation. Reporting inaccurate information violates my rights under FCRA. The account is otherwise in good standing. No records exist showing delinquency. Correcting this inaccuracy is legally required. I request written confirmation of the results of reinvestigation. 

Inquiry XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and was not initiated by me. FCRA 604 ( a ) requires proper authorization for reporting. Including it misrepresents my credit history. No documentation links me to this inquiry. Its presence on my report is inaccurate and misleading. Maintaining it violates FCRA. Lenders may incorrectly view my credit-seeking behavior. Immediate deletion is required to correct my credit file. I request written confirmation of this action.

I respectfully request the CFPB to compel the credit reporting agencies and XXXX  XXXX XXXX to conduct a thorough reinvestigation, correct or delete the inaccurate address and account status, and provide me with full documentation of the findings. These inaccuracies are materially affecting my creditworthiness, financial opportunities, and personal wellbeing. I further request that any future reporting reflects only verified and accurate information, in compliance with FCRA and all relevant federal laws. The CFPBs intervention is necessary to ensure the protection of my rights and the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief