Consumer complaint received 2025-11-13 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 filing a formal complaint against XXXX XXXX XXXX ( XXXX ) for illegally reporting and attempting to collect a debt that does not belong to me. XXXX has violated multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c and 15 U.S.C. 1692g, by failing to properly communicate, validate, and verify the alleged debt and by contacting/reporting without following required procedures.

1. Violation of 15 U.S.C. 1692c Improper Communication & Failure to Contact Consumer at Valid Address XXXX reported a collection account using an incorrect address, and does not match any address associated with my identity. Reporting and attempting to collect a debt using an address I do not receive mail at is a direct violation of 1692c ( a ) ( 1 ) because : The communication was not sent to a location where I could reasonably receive it. 
XXXX knowingly used an address that does not belong to me. 
This prevented me from receiving proper notice or exercising my rights. 
This places the responsibility on XXXX for improper, misleading, and unfair collection activity. 
2. Violation of 15 U.S.C. 1692g Failure to Provide XXXXlidation & Verification of Debt Under 1692g ( a ) and 1692g ( b ), XXXX is legally required to provide proper debt validation when a debt is disputed. XXXX has failed to do the following : Provide any written validation of the debt. 
Prove I am the correct consumer. 
Provide documentation showing my signature, contract, or agreement. 
Provide any evidence I lived at the address they reported. 
Provide any verification after being notified this account is disputed as fraud.

Instead, they continued reporting the account to credit bureaus despite failing to validate it, which violates 1692g ( b ) because collectors must cease all collection activity until proper validation is provided. 
XXXX is reporting unverifiable, inaccurate, and fraudulent information. 
3. Identity Mismatch & Inaccurate Reporting The account is tied to an incomplete and inaccurate address that is not associated with me.

Under FCRA accuracy standards and FDCPA verification requirements, XXXX can not continue reporting an account connected to an address they can not verify belongs to me. 
This is a clear identity mismatch, and XXXX has not met the burden of verification required by law. 
4. Requested CFPB Action Due to XXXX  violations of 15 U.S.C. 1692c, 15 U.S.C. 1692g, and the reporting of fraudulent/inaccurate data, I am requesting : Immediate investigation of XXXX XXXX XXXX Immediate removal of the account from all credit bureaus Confirmation that all collection activity has ceased Documentation showing XXXX  attempts to verify the debt XXXX  has failed to validate, failed to communicate properly, reported inaccurate information, and violated multiple federal laws. This account is not mine and should be deleted immediately.

Company response to consumer: Closed with explanation