Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute multiple inaccurate entries and unauthorized inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to have my credit information reported accurately, completely, and verifiably. The following items have caused significant financial, emotional, and personal harm, including harassment, credit denials, and emotional distress. I demand immediate investigation, correction, or removal of all inaccurate or unauthorized information. 
Account Disputes : XXXX XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, High Credit {$300.00} This account is reported as a charge-off, which is incorrect. I was never notified properly, nor given an opportunity to verify this debt. As a result, my credit score has dropped dramatically, causing mortgage and loan applications to be denied. Under FCRA 1681i, the bureau must verify this information, yet the listing remains, causing continuous financial harm. I have endured repeated calls from collections agents, each call increasing my stress and XXXX. 
XXXX XXXX  Account # XXXX, Opened XX/XX/XXXX, High Credit {$300.00} This charge-off is erroneous. I have never defaulted on this account, and its incorrect reporting has led to credit denials and embarrassment. The repeated misreporting shows systemic negligence by the furnishers, violating FCRA 1681s-2 ( b ). Each time I apply for services, I am questioned about a debt that is not mine, which has affected my personal and professional reputation. 
XXXX XXXX XXXX XXXX  XXXX Account # XXXX, Opened XX/XX/XXXX, High Credit {$1200.00} This account charge-off is reported inaccurately. Because of this, I have lost trust in financial institutions and struggled to get basic credit approvals. The emotional toll has been significant, causing sleepless nights and XXXX, which is a direct consequence of inaccurate reporting under FCRA 1681i. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Credit {$0.00} Reporting this {$0.00} account as a charge-off is misleading and harmful. I have been wrongly judged as a delinquent borrower, which has caused me to face increased scrutiny on future credit applications. FCRA 1681i requires that unverifiable or inaccurate entries be corrected immediately. 
XXXX, Account # XXXX, Opened XX/XX/XXXX, High Credit {$450.00} This charge-off is inaccurate and has caused direct financial harm. I have been refused credit and had interest rates artificially inflated because of this false report. The repeated stress and harassment from collections attempts has disrupted my daily life and violated my rights under FCRA 1681i ( a ) ( 1 ). 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Credit {$0.00} Reporting this {$0.00} account as a charge-off is misleading. I have never owed this debt. The false entry has caused lenders to view me as a risky borrower, resulting in denied credit applications and higher interest rates. The constant confusion and stress led to missed opportunities to secure housing, forcing me to explain these inaccuracies repeatedly. FCRA 1681i and 1681s-2 ( b ) require investigation and correction of unverifiable or inaccurate data. 
XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, High Credit {$0.00} This late payment entry is false. Because of it, I was denied a credit card and had to explain the inaccuracy to several lenders, which was both time-consuming and emotionally draining. The repeated stress has caused distraction at work and heightened XXXX  at home. FCRA 1681i requires correction of such inaccuracies, yet it persists. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$2300.00} This collection is inaccurately reported. I have never been given verification for this debt, yet it has caused multiple credit denials and undue stress. Each phone call and letter from debt collectors has disrupted my daily life and increased emotional distress. FCRA 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate information, yet this false entry persists. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$1500.00} This account is incorrectly reported as a collection. The reporting has negatively impacted my credit score, led to higher insurance premiums, and caused emotional distress. Every denied application serves as a reminder of this false reporting. FCRA 1681i requires proper verification and removal if unverifiable. 
XXXXXXXX XXXX  Account # XXXX, Opened XX/XX/XXXX, High Balance {$800.00} This duplicate or erroneous listing misrepresents my credit history. It has created additional stress, as lenders perceive multiple collections for the same alleged debt. FCRA 1681i requires correction and removal of duplicate or inaccurate information, yet this listing continues to cause harm. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$670.00} This collection is falsely reported. I never owed this debt, yet I have received repeated calls demanding payment. Each call interrupts my work, causes stress, and affects my family life as I worry about wrongful legal action. I have spent countless hours documenting my disputes and trying to clarify this error. FCRA 1681s-2 ( b ) requires verification of debts before reporting, which has not been done. The emotional toll has been severe, causing sleepless nights and XXXX that impacts my daily functioning. 
Unauthorized or Erroneous Inquiries with Story : I also dispute the following hard inquiries, which appear unauthorized or inaccurate. Each unauthorized inquiry has contributed to unjustly lowering my credit score, impacting my ability to secure housing, loans, and other essential services, and causing unnecessary stress : XXXX XXXX XXXX, XX/XX/XXXX Made without permission ; each denial of credit creates XXXX  and complicates personal and professional financial planning. 
XXXX, XX/XX/XXXX Unauthorized, damaging my credit score and creating unnecessary obstacles in securing financial services. 
The combination of these false addresses and erroneous account listings has caused measurable emotional distress, financial hardship, and harm to my reputation. I have spent countless hours attempting to resolve issues caused entirely by inaccuracies that are legally required to be corrected. These errors have led to denied housing, higher loan interest rates, repeated harassing collection attempts, and unnecessary XXXX. 
The cumulative impact of all these inaccuracies, charge-offs, collections, and unauthorized inquiries has been severe. I have endured harassment, emotional distress, financial hardship, and repeated credit denials. Each false entry disrupts my daily life, affects work performance, and damages my personal and professional reputation. 
I demand that all entries be fully investigated, corrected, or removed immediately. Please provide written confirmation of your investigation and an updated credit report reflecting all corrections. Failure to comply with the FCRA will result in regulatory or legal action. 
Thank you for your immediate attention.

Company response to consumer: Closed with non-monetary relief