Consumer complaint received 2025-08-09 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:
I am submitting this complaint regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 604 ( a ) ( 2 ), FCRA 607 ( b ) Issue : This address is not mine and has never been associated with me.

Story : This address appears due to a possible mixed file or identity error. I have never lived, worked, or received mail at this location, and its inclusion violates FCRA 607 ( b ) requiring accurate reporting. Remove immediately.

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  Law : FCRA 604 ( a ) ( 2 ), FCRA 607 ( b ) Issue : This address is falsely linked to my file and is inaccurate. 
Story : This location has no connection to me, my employment, or my financial accounts. It appears from an erroneous creditor entry and must be deleted as per federal accuracy standards. 

ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Chargeoff * * Law : FCRA 602 ( A ), 607 ( b ), 611 ( a ) Issue : This chargeoff is being reported with unverifiable and inconsistent details. 
Story : The creditor has failed to provide any signed agreement or direct proof of this alleged debt. The reported balance and status are conflicting across reports, indicating inaccuracy. Under FCRA 611 ( a ), remove this account if it can not be fully verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 607 ( b ), 611 ( a ), FDCPA 807 ( 8 ) Issue : A zero balance chargeoff remains on my report despite being paid/closed. 
Story : Retaining derogatory status after resolution is misleading and violates accurate reporting obligations. The account must be updated to show correct status or be removed entirely. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * Law : FCRA XXXX ( b ), 611 ( a ) Issue : Late payment reporting is incorrect and lacks verification. 
Story : This record shows inconsistent payment history compared to my actual records. The creditor has not provided a full ledger proving these lates, which is required under the law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Late Payment * * Law : FCRA 607 ( b ), 611 ( a ) Issue : Payment status reported inaccurately. 
Story : These lates do not reflect my payment records and appear to be reporting errors from loan servicing transfers. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Late Payment * * Law : FCRA 607 ( b ), 611 ( a ) Issue : No documented proof of late payments provided. 
Story : The information appears unverifiable and must be corrected or deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * Law : FCRA 607 ( b ), 611 ( a ) Issue : Lates reported with no supporting documentation. 
Story : These alleged late payments are disputed due to lack of creditor evidence and inconsistencies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late Payment * * Law : FCRA 607 ( b ), 611 ( a ) Issue : Unverifiable late payment entries. 
Story : Without direct proof from the original creditor, these lates are inaccurate and misleading. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late Payment * * Law : FCRA 607 ( b ), 611 ( a ) Issue : Reported lates lack substantiation. 
Story : Reporting continues without the creditor providing legally required validation. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$190.00} Chargeoff * * Law : FCRA 607 ( b ), 611 ( a ), FDCPA 807 ( 8 ) Issue : Debt reporting contains inaccuracies and lacks validation. 
Story : XXXX has failed to produce proof of ownership of this debt. The balance and date are questionable, making the entry unreliable and subject to deletion. 

The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

Company response to consumer: Closed with non-monetary relief