Consumer complaint received 2025-08-05 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, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692. I am writing to dispute multiple inaccurate and unauthorized items reported on my credit file. These errors have severely impacted my life, denied me access to fair credit, and caused emotional XXXX  and financial hardship. I am requesting immediate investigation and permanent deletion of the following items. 
XXXX XXXX XXXX, TX XXXX Issue : This address is incorrect and has never been associated with my residential history at any given time.

Law : As per FCRA ( Fair Credit Reporting Act ) Section 609 and Section 611, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable.

Story : I have been the victim of misreporting which is seriously harming my creditworthiness and personal credibility. I have never lived or conducted any financial activity using this address and hereby request immediate removal from all my credit files. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : This address does not belong to me or any member of my household. 
Law : Under the FCRA, its the duty of the bureaus to report only accurate and verifiable information.

Story : The presence of an unverified address is affecting my trust in the credit reporting process, and it may be linked to fraudulent activity. I demand an immediate reinvestigation and corrective action to protect my interests. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$630.00} Date Opened : XX/XX/XXXX Issue : Marked as Charge Off which is not communicated properly and contains errors regarding payment history.

Law : FCRA Section 609 and Section 611 entitle a consumer to a full disclosure and the right to dispute such derogatory marks.

Story : This accounts status is incorrectly listed as Charge Off, which does not represent the real history of my account nor any correspondence received. This has caused me significant damage as potential lenders are denying my credit applications. I request reinvestigation and necessary rectification. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Late Payment mentioned while records do not reflect notified default or valid communication.

Law : Per FCRA Section 611 and Equal Credit Opportunity Act, I must not be discriminated against for reporting errors.

Story : On reviewing my records, I never received any proper late payment notification and this false reporting is damaging my score. Kindly provide documented evidence or remove this from my report. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Issue : Charge Off status disputed and requires documentation. 
Law : Under FCRA, every negative listing must be investigated and removed if not proven with valid documentation.

Story : This is possibly a case of mistaken identity or improper update. I never authorized this accounts charge off. Please investigate and remove this negative entry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Issue : Alleged Collection status is false or not duly notified to me. 
Law : Under FCRA, any collection entry must be notified and verified before being included in my credit report.

Story : I have no record of this account, and its listing as collection is possibly fraud or administrative error. Please remove this immediately and safeguard my consumer rights. 

XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Collection listing, no prior notice or verification, possibly mixed file.

Law : Reporting inaccurate collection accounts without prior notice is a violation of FCRA and FDCPA.

Story : I maintain my credit affairs diligently and have no knowledge of this debt. Due to this error, my eligibility for credit has suffered. Rectification is urgently requested. 

XXXX XX/XX/XXXX Issue : Unauthorized or incorrect inquiry impacting my score.

Law : FCRA mandates that only authorized and relevant inquiries be included in a consumers report.

Story : I did not apply or authorize any inquiry by XXXX XXXX XXXX this damages my credit standing and privacy. Kindly remove this inquiry. 

XXXX XXXX  I XX/XX/XXXX Issue : Inquiry appears unrecognized and unapproved by me. 
Law : Consumers must be informed of every hard inquiry as per FCRA. 
Story : No application for credit was made around this date, so this enquiry should be considered unauthorized and deleted from my profile. 

I respectfully demand the deletion or correction of all the above items within 30 days as required by law. Failure to comply will result in filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and possibly seeking legal remedies for willful noncompliance.

Company response to consumer: Closed with non-monetary relief