Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN This letter is submitted as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following addresses, accounts, and inquiries are inaccurately appearing on my credit report. I request immediate deletion or correction as they are incorrect, unverifiable, or reported in violation of federal law. I am demanding a full reinvestigation under FCRA 611 and a response within XXXX days. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Wrong Address Issue : This is not my address and is reported in error Law : FCRA 602 ( a ), 611 Inaccurate personal data must be corrected or removed Story : This false address added confusion when I applied for an apartment. The property manager denied my application due to suspicious address history. Ive never resided here and have no connection to this property. I feel helpless and frustrated as these errors keep me locked out of housing and credit. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Late Payment XXXX XXXX  Issue : This account is showing a late payment that I strongly dispute Law : FCRA 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( XXXX  ) Creditors must report accurate and truthful information and not misrepresent consumer status Story : I had automatic payments set up and was never alerted of any missed payments. This reporting error dropped my credit score drastically. I was relying on this account to rebuild my credit after a prior hardship. Because of this single entry, I was denied a loan needed for urgent medical expenses. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Issue : Late payment is being reported on a closed, XXXXbalance account Law : FCRA 623 ( a ) ( 1 ) ( B ) Furnishers must not report misleading data Story : I worked hard to build this account for credit repair, paid it off on time, and it shows late reporting even after it was closed. This makes it look like I defaulted. I lost the chance to qualify for a credit builder program due to this false late. I feel deceived and heartbroken. 
XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX Issue : Account was settled voluntarily, yet reported as charged off Law : FCRA 605 ( a ) ( 5 ), FDCPA 807 Debt settlement must be reflected accurately and not misleading Story : I surrendered the vehicle due to financial hardship and confirmed closure. Reporting this as a charge-off after resolution is unethical. This damaged my auto financing chances, and I now rely on public transportation in a city with little access. Its painful to be punished for trying to do the right thing. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : XXXX charged off disputed charges without validation Law : FDCPA 809 ( b ), FCRA 623 Consumers must be allowed to dispute before derogatory reporting Story : I had a billing dispute and never received a proper breakdown. They sent it to collections without resolution. This unfairly harmed my credit and disrupted my ability to set up other essential utility services. I demand deletion due to lack of validation and transparency. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Collection XXXX XXXX Issue : I dont recognize this collection, and I was never notified or validated Law : FDCPA 809 ( a ), FCRA 611 Debt collectors must validate before reporting Story : I was never contacted, billed, or informed of this debt. I only found out because of a credit denial. I feel targeted and blindsided. This collection has no supporting evidence and is possibly a mixed file. Please delete immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX  Issue : Account was discharged in XXXX, yet still shows as charge-off Law : FCRA 605 ( a ) ( 1 ), XXXX XXXX XXXX Debts discharged in XXXX  can not show as delinquent or collectible Story : This account should reflect XXXX  discharge, not a charge-off. The continued misreporting makes it look like I still owe money I dont. This is unfair and has caused me repeated embarrassment and denial in credit checks. Correct this to show XXXX balance and included in XXXX. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX Issue : This resolved account is still reported negatively and appears re-aged Law : FCRA 623 ( a ) ( 2 ), FDCPA 807 Re-aging or re-reporting old, resolved debts is prohibited Story : I paid and resolved this years ago. It keeps coming back like a ghost. This is tormenting me emotionally and financially. Lenders think Im irresponsible because of this ancient data being kept alive. I want this gone permanently. 
XXXX  Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Accounts included in this XXXX  still report balances and charge-offs Law : FCRA 605, XXXX XXXX XXXX XXXX discharge must be reflected properly Story : I filed for XXXX  to get a fresh start, but creditors still show I owe money. This is devastating after trying so hard to rebuild. It prevents me from renting, borrowing, or even applying for secured credit. This must be corrected to reflect XXXX balances and discharged in XXXX.

HARD INQUIRIES UNAUTHORIZED AND EXCESSIVE Issue : The following inquiries were either unauthorized, excessive, or without permissible purpose Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Inquiries require consumer authorization and must serve a legitimate business purpose Story : I did not authorize the following hard pulls, and some were made after denial or without my consent. These inquiries lowered my score significantly and made me appear desperate for credit. This led to denial for an apartment I desperately needed. These inquiries feel like a violation of my privacy and trust. I request full deletion of the following 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONCLUSION Due to the inaccuracies listed above, I have suffered financial loss, mental distress, rejection for credit and housing, and embarrassment. These errors are serious, and I demand your compliance with FCRA 611 and immediate correction. Please provide written confirmation of your investigation results and a copy of my updated credit report within XXXX  days.

Company response to consumer: Closed with non-monetary relief