Consumer complaint received 2025-08-09 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: TN

Complaint narrative:
I am submitting this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) committed by various furnishers and credit reporting agencies. These violations include the reporting of wrong addresses, inaccurate accounts, and unauthorized inquiries on my credit file. These inaccuracies are damaging my credit reputation and ability to obtain credit, housing, and employment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me nor have I had any dealings here. Its inaccurate mention in credit records compromises the integrity of my credit history. Legal statutes such as the FCRA mandate credit bureaus to maintain strict data accuracy, and failure to do so is actionable. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX Another incorrect address entry harming my credit files accuracy. Under the FCRA, I am entitled to dispute and correct all credit report inaccuracies including false addresses, which are detrimental to credit evaluation. 

XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2800.00} Issue : Late Payment Despite my efforts to maintain good standing, this account shows a late payment inaccurately. This hurts my credit score unjustly. The Credit Repair Organizations Act ( CROA ) and FCRA ensure erroneous negative entries must be rectified upon dispute, demanding this late payment notation be investigated and corrected immediately. 

XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$14000.00} Issue : Chargeoff This chargeoff status reported is incorrect and does not reflect my payment history. Misreporting chargeoffs damages credit significantly and may violate both the FCRA and state credit laws requiring accurate, timely, and complete information. I demand removal of this false chargeoff entry. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$4300.00} Issue : Chargeoff The alleged chargeoff on this account is unsubstantiated and incorrect. Such derogatory remarks must be substantiated under law to prevent undue credit damage. I formally dispute this status and expect deletion under FCRA guidelines. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$4200.00} Issue : Late Payment This late payment record is erroneous and unfairly lowers my credit score. Under federal law, I have the right to dispute incorrect derogatory information to protect my creditworthiness. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$530.00} Issue : Collection This collection account is inaccurately reported. Inaccurate collection entries violate my rights under the FCRA and FDCPA, and legal precedent supports removal where verification can not be provided. I demand validation or removal immediately. 

XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$620.00} Issue : Chargeoff This chargeoff is incorrectly reported. I demand validation per the Fair Credit Reporting Act and removal if unverifiable. 

XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$43000.00} Issue : Chargeoff An erroneously reported chargeoff of this size severely impacts my credit. Legal protections mandate accurate reporting and dispute resolution. I dispute this claim and require removal until properly verified. 

XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$8600.00} Issue : Chargeoff The chargeoff entry here lacks adequate justification and must be examined and corrected to prevent further credit harm. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$4000.00} Issue : Chargeoff This chargeoff is being reported incorrectly beyond allowable timeframes or without validation. FCRA rules protect consumers from outdated or unverifiable derogatory reports. 

INQUIRY DISPUTES The following inquiries were made without my written authorization, which is required under FCRA Section 604 ( a ) ( 2 ) for permissible purpose. I demand immediate removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Most of these inquiries appear to be hard pulls that were not initiated by me. Each non-permissible inquiry harms my credit score and standing. I hereby invoke my right under FCRA Section 611 to request : Full verification of each inquiry including the date, requesting company, purpose of inquiry, and proof of my signed consent. 

Immediate deletion of any inquiry that can not be verified with documented evidence of my permission.

IMPACT & DEMAND FOR ACTION These violations have caused substantial harm to my creditworthiness, resulting in denial of credit, higher interest rates, and emotional distress. I request the CFPB to : 1. Order the credit bureaus to remove all inaccurate addresses from my file.

2. Require all furnishers to delete unverifiable accounts and incorrect payment histories.

3. Remove all unauthorized hard inquiries.

4. Impose penalties for continued violations of FCRA and FDCPA. 
Under FCRA 611, furnishers and bureaus have 30 days to investigate disputes. Continued non-compliance will be grounds for civil litigation under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief