Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
I am submitting this letter as my second formal notice regarding multiple inaccuracies, false reporting, and unauthorized inquiries on my credit report. Despite prior filings, these issues remain uncorrected, causing serious financial, emotional, and reputational harm. My prior CFPB complaint remains open, and I have not yet submitted any complaint to the FTC. I demand full enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and applicable state consumer protection laws. 
WRONG ADDRESSES FACTUAL AND LEGAL BASIS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH, XXXX Reporting this false address misleads creditors into thinking I reside here. This has resulted in unnecessary credit verification requests and potential denials of loans and housing applications, constituting willful misrepresentation under FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX, High Balance : {$370.00} ) Late Payment Despite my timely and full payments, this account falsely reports late payments. This has directly caused a reduction in my credit score, resulting in higher interest rates, denial of loan applications, and repeated unnecessary inquiries from creditors. The false reporting has created financial hardship and emotional stress, violating FCRA 1681s-2 ( b ) and FDCPA 1692e.Story/Impact : Each time I apply for credit, lenders see this inaccurate information and question my financial responsibility, creating obstacles in securing basic financial services. I have had to explain and prove my payment history repeatedly, wasting valuable time and resources. 
XXXX XXXX XXXX ( Open Date : XX/XX/XXXX, High Balance : {$1200.00} ) Charge Off This account has been falsely reported as charged off, despite documented on-time payments. This false derogatory information harms my creditworthiness, triggers unnecessary collection notices, and causes reputational damage, violating FCRA 1681i, 1681e ( b ), and FDCPA 1692e.Story/Impact : This false charge-off has prevented me from securing personal loans, auto financing, and housing, causing undue financial strain and emotional distress. It has forced me to spend hours gathering documents, contacting creditors, and disputing the error, disrupting my daily life. 
XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX, High Balance : {$15000.00} ) Late Payment XXXX XXXX has incorrectly reported multiple late payments that never occurred, despite proof of timely payments. The false entries negatively affect my credit score, lead to denial of loans, and cause extreme stress and financial hardship, violating FCRA 1681i, 1681s-2 ( b ), and FDCPA 1692e ( 8 ) .Story/Impact : This accounts misreporting has forced me to explain my financial reliability repeatedly, delaying approvals for essential services and increasing my emotional and financial stress. These inaccuracies have a cumulative impact, making it difficult for me to maintain housing, secure financing, and preserve my professional reputation. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXXXXXX XXXX XXXX High Balance : {$520.00} ) Late Payment Despite timely payments, this account falsely reports a late payment. This has negatively impacted my credit score, caused higher interest rates on personal loans, and delayed approval for financial services. Such false reporting violates FCRA 1681s-2 ( b ) and FDCPA 1692e, which prohibit furnishing false information.Story/Impact : This false late payment has forced me to spend hours gathering proof and disputing the error, causing undue stress, wasted time, and financial inconvenience. 
UNAUTHORIZED / INCORRECT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were unauthorized and/or inaccurately reported. Multiple inquiries in a short period have negatively impacted my credit score, caused confusion with lenders, and interfered with my ability to access credit at fair terms. Each inquiry is subject to FCRA 604 ( a ) ( 3 ) and 1681b, which regulate permissible purposes for accessing credit information.Story/Impact : The unauthorized and excessive inquiries have made it difficult to secure loans, delayed approvals for essential financial products, and caused undue stress. I have had to document and dispute each inquiry individually, wasting time and resources, and this cumulative effect has harmed my financial stability and personal well-being. 
DEMANDS IMMEDIATE ACTION REQUIRED 1. Investigation and correction of all false late payments.

2. Removal of all unauthorized and inaccurate inquiries.

3. Written confirmation of all corrections made to my credit report.

4. Enforcement of FCRA, FDCPA, and relevant state consumer protection laws.

5. Assurance that future inaccuracies and unauthorized reporting will be prevented, with documented steps provided. 
Failure to take prompt and complete corrective action will result in formal FTC complaints, civil action for damages, and legal enforcement of my rights under federal and state law. I expect full resolution within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief