Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported on my credit file must be accurate, complete, and verifiable. I have identified multiple inaccuracies, unauthorized inquiries, and false reporting on my credit file that are harming my creditworthiness, financial reputation, and access to credit. I demand immediate investigation and removal of all inaccurate, unverifiable, or fraudulent information from my credit report. 
Wrong Address : XXXX XXXX XXXX XXXX, CA XXXX This address is being reported in my credit file without my authorization. I have never resided at this address, nor have I ever had any financial accounts or obligations linked to it. The continued reporting of this incorrect address constitutes a violation of FCRA 1681i, which mandates the accuracy of personal identifying information in credit files. Reporting wrong addresses can mislead creditors and third parties, resulting in denied credit or fraudulent assumptions about my identity. 
Account Disputes : XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Opened : XX/XX/XXXX Balance Owed : {$17000.00} XXXX XXXX This account has been inaccurately reported as a charge-off. I dispute the validity of the reported balance and the charge-off status. I have not received proper documentation or validation proving that this account was legitimately delinquent or charged off. Under FCRA 1681i ( a ), I request the credit reporting agency to verify the accuracy of this account or remove it immediately if it can not be verified. This erroneous reporting is severely damaging my credit score and ability to access financial services. 
Unauthorized/Inaccurate Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were either unauthorized or inaccurately reported. I have never applied for credit with some of these entities, and I did not authorize these inquiries to be made on my credit file. According to FCRA 1681b ( f ), each credit inquiry must have my explicit authorization. Any inquiries made without my consent must be deleted immediately. These unauthorized inquiries have negatively impacted my credit score and misrepresented my financial activity to potential lenders.

Impact Statement : The combination of these issueswrong addresses, falsely reported charge-offs, and unauthorized inquirieshas caused tangible harm. They falsely suggest financial irresponsibility and have already led to denied credit applications, higher interest rates, and difficulty in obtaining loans. The continued reporting of these inaccuracies without correction constitutes willful negligence under FCRA 1681n and 1681o, making the credit reporting agencies liable for damages.

I request that all items listed above be investigated, corrected, or removed immediately, and that I receive written confirmation of these actions. Failure to promptly address these issues may result in further legal action to protect my rights under federal law. 
Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with non-monetary relief