Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : FCRA XXXX and XXXX ( b ) Issue : This address is not mine and is reported in error Story : I have never lived at this address, never received mail at this address, and never used it for any financial purpose. Its presence on my report creates confusion, raises identity theft concerns, and misrepresents my true residency history. This incorrect address must be deleted immediately. 

Address : XXXX XXXX XXXX XXXX, LA XXXX XXXX : FCRA XXXX and XXXX ( b ) Issue : Wrong address showing in my credit history Story : This is not my address and I have no link to it. Allowing this incorrect data to remain is a direct violation of FCRA accuracy requirements. This information is harmful, confusing, and should be deleted immediately. 

Account : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * Law : FCRA XXXX, XXXX, XXXX ( a ) ( XXXX ) ( A ) Issue : Reporting shows charge-off despite a {$0.00} balance, which is inconsistent and misleading Story : A {$0.00} balance should not be reported as a charge-off. This inconsistency proves the account is being inaccurately reported. I dispute this account because it is unverifiable and misleading. Please provide full documentation or remove this account completely. 

Account : XXXX  XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Status : Chargeoff * * Law : FCRA XXXX, XXXX ( a ) ( XXXX ) ( A ), FDCPA XXXX ( XXXX ) Issue : Reporting a charge-off with outstanding balance Story : I dispute this account because I was not properly notified of any charge-off, and the balance shown is questionable. Without valid proof and complete records, this account can not be reported under federal law. If verification can not be provided, it must be deleted immediately. 

Account : XXXX XXXX XXXX CO XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$61.00} Status : Collection * * Law : FCRA XXXX, XXXX, FDCPA XXXX ( b ) Issue : Collection reported without proper verification Story : I was never contacted or given validation of this debt by the collector. Reporting this as a collection without proper notice is a direct violation of federal consumer protection laws. If proof of debt is not provided, this item must be deleted. 

Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00} Status : Collection * * Law : FCRA XXXX, XXXX ( a ) ( XXXX ) ( A ), FDCPA XXXX ( b ) Issue : Collection may be reporting in error Story : I have no knowledge of this debt, and I was not contacted about it by any collector. Because I never gave consent and never received validation, this account must be deleted unless complete verification is produced. 

Inquiry : XXXX  Date : XX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ), XXXX Issue : Duplicate/unauthorized inquiry Story : This is a duplicate or erroneous inquiry tied to XXXX XXXX. I dispute it as unauthorized and demand its removal. 

Inquiry : XXXX  Date : XX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ), XXXX Issue : Unauthorized inquiry Story : I did not give this company any authority to review my report. This entry must be removed. 

Inquiry : XXXX  Date : XX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ), XXXX Issue : Unauthorized inquiry Story : This inquiry was made without my consent or authorization. It must be deleted immediately. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief