Consumer complaint received 2025-10-03 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 formal complaint to dispute multiple inaccuracies and unauthorized entries on my credit reports. These include accounts reported as collections and late payments that I have no knowledge of, never authorized, and inquiries that I did not initiate. These inaccuracies materially harm my creditworthiness, misrepresent my payment history, and violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I request a full investigation, immediate correction, or deletion of all disputed accounts and inquiries. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is entirely incorrect and has never been associated with me. The inclusion of this address on my credit report is misleading, could be used to misidentify me, and negatively affects my creditworthiness. FCRA 1681e ( b ) requires that information reported be accurate, and this address clearly violates that requirement. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has never been linked to me. Its presence is a material inaccuracy, violating my rights under FCRA and creating potential harm to my financial standing. Immediate deletion is required. 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. I never opened or authorized any credit account with this entity. Reporting a charge-off without verification is a serious violation of FCRA 1681i and 1681s-2 ( b ) and misrepresents my creditworthiness, causing undue damage to my reputation and ability to obtain credit. Immediate deletion is requested. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Late Payment This account is reported with a late payment that is entirely false. I have never missed any payments with this creditor. Misreporting payment history is a violation of FCRA 1681s-2 ( b ) and could be deemed reckless reporting, subjecting the creditor to legal consequences. Correction is immediately required. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$290.00} Date Opened : XX/XX/XXXX Charge Off This account is unknown to me and has never been authorized. Charge-off reporting without proof constitutes an actionable inaccuracy under FCRA and FDCPA, and I demand its removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Charge Off This account is false. I never applied for or opened this account. Reporting it as a charge-off is misleading, materially inaccurate, and violates FCRA 1681i ( a ). Immediate deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$860.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. Any reporting of charge-off is unauthorized and violates my rights under FCRA and FDCPA. Immediate removal is necessary to prevent further harm to my credit score and financial standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Late Payment This account is incorrectly reported as late. I have consistently maintained timely payments, and this inaccuracy is harmful to my credit profile. Reporting false late payments is a direct violation of FCRA 1681s-2 ( b ) and subjects the reporting party to liability. Immediate correction is requested. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$410.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I have never missed payments on this account. Misreporting payment history is a violation of FCRA 1681i and 1681s-2 ( b ). I demand immediate correction of the account history to reflect accurate payment behavior. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$9100.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment reported on this account. The account is either inaccurately reported or misrepresented, violating FCRA 1681s-2 ( b ). Immediate investigation and correction are required to prevent further harm to my credit report and financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurately reported as late. I have consistently made payments on time and have no record of any missed payment. Reporting this as late is a direct violation of FCRA 1681s-2 ( b ) and misrepresents my payment history, negatively impacting my creditworthiness. Immediate correction is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment status on this account. The reporting is false, misleading, and materially inaccurate under FCRA 1681i. I request immediate investigation and correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3200.00} Date Opened : XX/XX/XXXX Late Payment This account has been reported with a late payment without proper verification. I have no record of missing any payment, and reporting such an inaccuracy constitutes a violation of FCRA 1681i ( a ) and 1681s-2 ( b ). Correction is demanded. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment I have consistently maintained timely payments. The reported late payment is false and materially harms my credit standing. Immediate correction or deletion is required under FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment Reporting this account as late is inaccurate and violates FCRA 1681s-2 ( b ). I request full verification, and if it can not be verified, immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3300.00} Date Opened : XX/XX/XXXX Late Payment This account is falsely reported as late. I have no knowledge of missed payments. Misreporting of payment history is actionable under FCRA 1681i and FDCPA 1692e. Immediate correction is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$4100.00} Date Opened : XX/XX/XXXX Late Payment The late payment reported is inaccurate. I demand immediate verification and correction. Failure to correct false reporting violates FCRA and subjects the reporting party to liability under 1681n and 1681o. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Late Payment This account is falsely reported as late. I dispute this inaccuracy and request immediate correction in accordance with FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$610.00} Date Opened : XX/XX/XXXX Late Payment I have no record of late payments on this account. Reporting this is materially inaccurate, violates FCRA 1681i, and adversely impacts my credit. Immediate correction or deletion is required.

I hereby request that each of these disputed accounts be fully investigated, verified, and corrected or deleted as required under the FCRA. Any information that can not be verified must be immediately removed. Continued reporting of inaccurate information constitutes a violation of federal law and exposes the reporting entities to liability under FCRA 1681n and 1681o. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment This account is falsely reported as late. I have consistently made all payments on time and have no record of any missed payment. Misreporting payment history is a direct violation of FCRA 1681s-2 ( b ) and negatively impacts my creditworthiness. Immediate correction is required. 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account and never authorized this debt. Reporting this account as a collection without verification is materially inaccurate, misleading, and violates FCRA 1681i and FDCPA 1692e. I demand immediate deletion.

XXXX XXXX XXXX XXXX XXXX  High Balance : {$940.00} Date Opened : XX/XX/XXXX Collection This is a duplicate entry of an unknown account. Reporting multiple entries for the same unknown debt is materially misleading, violates FCRA 1681s-2 ( b ), and constitutes negligent reporting. Immediate correction or deletion is required.

XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$770.00} Date Opened : XX/XX/XXXX Collection I dispute the validity of this account. I have no record of this debt and have never been contacted regarding it. Reporting this as a collection is inaccurate, damaging, and actionable under FCRA and FDCPA. Immediate deletion is demanded.

XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$670.00} Date Opened : XX/XX/XXXX Collection This account is unknown to me. Reporting it as a collection without proper verification is a violation of FCRA 1681i and 1681s-2 ( b ). Immediate correction or deletion is required.

XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2800.00} Date Opened : XX/XX/XXXX Collection This account is unknown to me. Reporting a debt I did not authorize is materially misleading, violates FCRA 1681i ( a ) and 1681s-2 ( b ), and could be considered reckless reporting. Immediate investigation and deletion are demanded. 
Disputed Inquiries : XXXX  XX/XX/XXXX I did not authorize this inquiry. Reporting unauthorized inquiries is a violation of FCRA 604 ( a ) ( 3 ). Immediate removal is requested. 
XXXX XX/XX/XXXX I did not authorize this hard inquiry. Reporting it is inaccurate and legally actionable under FCRA. Immediate deletion is required.

I hereby request that all disputed accounts and inquiries be fully investigated, verified, and corrected or deleted as required under FCRA. Any information that can not be verified must be immediately removed. Continued reporting of inaccurate information constitutes a violation of federal law and exposes the reporting entities to liability under FCRA 1681n and 1681o.

I expect a written confirmation of receipt of this complaint and a full investigation within 30 days, as mandated by federal law. Failure to comply will result in formal complaints, legal actions, and further escalation. This letter constitutes my formal complaint and demand for immediate corrective action.

Company response to consumer: Closed with non-monetary relief