Consumer complaint received 2025-09-25 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:
Dear CFPB, I am submitting this formal complaint to dispute multiple inaccuracies, unauthorized inquiries, and false reporting on my credit report and to report violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 16921692p ). These inaccuracies and unauthorized actions have caused material financial harm, stress, and disruption to my ability to access credit. Despite repeated attempts to correct these errors directly with the creditors and credit bureaus, the items remain unresolved. I demand immediate investigation, correction, and removal of all disputed information. 
Wrong Addresses Reported : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Misreporting this address has led to erroneous assumptions about my credit history. I have had to repeatedly contact creditors and agencies to clarify that I have never lived here, wasting significant time and resources. 
Account Disputes : XXXX XXXX XXXX XXXX XXXX Chargeoff, High Balance {$2600.00}, Opened XX/XX/XXXX This account is inaccurately reported as a charge-off. I have never received proper notice or validation of this debt as required under FDCPA 1692g. The reporting of this account has caused multiple loan application rejections and increased interest rates. The charge-off is not only incorrect but also materially harmful, affecting my financial stability and personal reputation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX {$3100.00}, Opened XX/XX/XXXX The balance reported is inconsistent with my account records. I dispute the legitimacy of this charge-off as I was never provided accurate statements, notices, or validation. Its reporting has resulted in collection calls, stress, and negative impacts on my ability to access credit or secure housing. 
XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff, High Balance {$23000.00}, Opened XX/XX/XXXX I dispute this account in its entirety. No proper validation or documentation was ever provided. This inaccurate reporting has caused long-term damage to my credit score and financial reputation, and has forced me to repeatedly engage in dispute processes. 
XXXX XXXX XXXXXXXX XXXX XXXX Chargeoff, High Balance {$970.00}, Opened XX/XX/XXXX The account balance and status are inaccurately reported. I have attempted to resolve this directly with the creditor, yet the charge-off persists, causing unjustified damage to my credit score and repeated collection attempts. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Late Payment, High Balance {$22000.00}, Opened XX/XX/XXXX This account was reported late incorrectly. I have records proving timely payments and proper account management. The inaccurate late payment has caused higher interest rates, denied credit applications, and unnecessary stress, violating FCRA 1681s-2 ( b ).

Hard Inquiry Disputes ( Unauthorized/Inaccurate ) : XXXX XXXX XX/XX/XXXX Unauthorized ; causing material harm to my financial standing. 
XXXX XXXX XX/XX/XXXX I did not consent to this inquiry. Its presence is damaging to my credit report. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry affecting my creditworthiness. 
Supporting Statement : The cumulative effect of false charge-offs, incorrectly reported late payments, and unauthorized inquiries has caused denied loans, higher interest rates, collection calls, and significant stress. I have attempted to resolve these directly with creditors and credit bureaus, but the errors persist. FCRA 1681i requires credit bureaus to investigate and correct inaccuracies promptly. FDCPA 1692 mandates validation of debts and prohibits reporting false information. The repeated misreporting constitutes a material violation of my rights and has materially harmed my financial wellbeing.

I demand : 1. Immediate deletion or correction of all disputed charge-offs and late payments.

2. Removal of all unauthorized inquiries listed above.

3. Written confirmation of completed investigation in compliance with FCRA 1681i.

4. Notification to all credit reporting agencies to update my credit file accurately. 
Failure to comply will leave me no choice but to pursue legal remedies under FCRA and FDCPA. This matter is urgent and requires immediate CFPB attention.

Company response to consumer: Closed with non-monetary relief