Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I am submitting this complaint to formally dispute multiple inaccuracies on my credit report that continue to cause severe harm to my creditworthiness I have not yet filed a complaint with the Federal Trade Commission (FTC) but reserve that right if these issues are not corrected I am asserting my rights under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681i which mandates that credit reporting agencies conduct a reasonable investigation of disputed information and remove inaccurate or unverifiable data I am also invoking the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. 1692 which prohibits unfair and deceptive practices by creditors and debt collectors\nThe following addresses are being reported inaccurately on my credit report despite my never residing there and these inaccuracies are causing severe harm to my credit standingXXXX XXXX XXXX XXXX XXXX XXXXThis is another variant of an incorrect Alrover address appearing on my report The repetitive reporting of wrong addresses shows systemic issues in the credit reporting process and reflects a failure to maintain accurate consumer informationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis incorrect apartment listing has caused direct harm to my credit applications and has triggered multiple follow-up disputes with lenders who rely on accurate address information to verify my identity The continued reporting of this wrong address creates undue stress and financial uncertainty\nThe following accounts are being reported inaccurately and/or unfairly and contain serious errors that must be correctedXXXX XXXX XXXX  Date Opened XXXX Balance Owed $XXXX Charge Off**\nThis account is inaccurately reported as a charge off I have disputed this balance previously and provided evidence that the account was either paid or inaccurately reported The false reporting of a charge off has significantly impacted my credit score and prevented me from qualifying for essential financial productsXXXX XXXX Date Opened XXXX  Balance Owed $XXXX Charge Off**\nReporting a zero balance account as a charge off is misleading and harmful This account does not reflect any legitimate charge off yet it appears on my report as negative information This has created financial stress and confusion during attempts to obtain creditXXXX XXXX XXXX XXXX  Date Opened XXXX Balance Owed $XXXX  Charge Off**\nThis account has been reported as a charge off without proper verification of the debt amount I have records and payment histories that contradict the reporting yet these have been ignored The inaccurate reporting has caused damage to my reputation with creditors and has created ongoing anxiety regarding my financial obligationsXXXX XXXX Date Opened XXXX  Balance Owed $XXXX Late Payment**\nThis account continues to report late payments inaccurately despite evidence that payments were made on time The repeated incorrect reporting has affected my creditworthiness and led to higher interest rates on existing loans The distress caused by these errors is compounded by the lack of timely correction from the credit bureausXXXX XXXX Date Opened XXXX Balance Owed $XXXX Late Payment**\nThis account continues to report late payments inaccurately despite evidence that all payments were made on time The repeated misreporting has negatively impacted my credit score and caused me financial stress affecting my ability to secure loans and other financial services The failure to correct these errors demonstrates negligence by the credit reporting agenciesXXXX XXXX  Date Opened XXXX  Balance Owed $XXXX Late Payment\nSimilar to the previous account this reporting is false and misleading The inaccurate late payment record has created confusion with lenders and has directly affected my creditworthiness I have provided documentation proving timely payments yet this account continues to be misreported causing undue hardshipXXXX XXXX XXXX XXXX Date Opened XXXX Balance Owed $XXXX  Collection**\nThis account has been placed in collection inaccurately The reported balance is either incorrect or unverified and the collection status has caused severe emotional distress and financial inconvenience I have disputed this previously but the error persists The continued reporting of this collection account violates FCRA requirements and unfairly damages my credit profileXXXX XXXX  Date Opened XXXX Balance Owed $XXXX Collection**\nThis account is reported as a collection despite being disputed and potentially resolved The inaccurate reporting has resulted in unnecessary inquiries from lenders and has created barriers in accessing essential financial services The persistence of this error reflects a failure of proper investigationXXXX XXXX XXXX XXXX Date Opened XXXX Balance Owed $XXXX Collection**\nThe reporting of this account as a collection is incorrect and unverified This has affected my ability to obtain favorable loan terms and has caused continuous anxiety regarding my financial obligations The credit reporting agencys failure to investigate properly is a violation of my rights under FCRAXXXX XXXX  Date Opened XXXX Balance Owed $XXXX  Collection\nThis account has been reported in collection inaccurately The balance and collection status are either incorrect or unverified This has caused significant stress and difficulty when attempting to apply for loans or credit The inaccurate reporting violates FCRA and has directly harmed my credit score\nThe following inquiries are being reported inaccurately or without my authorization and must be investigatedXXXX XXXX InquiryXXXX XXXX Inquiry\nMultiple inquiries from XXXX XXXX  and XXXX XXXX XXXX are being reported without my authorization The repetition of these inquiries has caused confusion and has lowered my credit score unnecessarily I have not initiated these applications and the reporting of unauthorized inquiries constitutes a violation of FCRA protections and exposes me to potential identity theft risksXXXX XXXX  Inquiry\nThis inquiry was not authorized and should be removed The presence of this inquiry affects my credit applications and misrepresents my credit activity\XXXX XXXX  Inquiry\nThis inquiry is unauthorized and inaccurately reported It has contributed to lowering my credit score and creates barriers when seeking financial services\nI demand that CFPB investigate these reporting errors immediately and direct all relevant credit reporting agencies and creditors to correct these inaccuracies I also request written confirmation of the removal of all false collections, late payments, charge offs, wrong addresses, and unauthorized inquiries Failure to act will result in filing a formal FTC complaint and may trigger legal action to enforce my rights under FCRA and FDCPA\nThis complaint is submitted with the expectation of urgent review and resolution I reserve the right to escalate this matter legally if these inaccuracies continue to be reported and adversely affect my credit standing'

Company response to consumer: Closed with non-monetary relief