Consumer complaint received 2025-08-30 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, I am submitting this formal complaint 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 accounts and inquiries are being reported inaccurately, in duplicate, or without proper validation. I dispute each account in full. These items have caused me significant financial harm, credit denials, housing issues, employment impacts, and severe emotional distress. 
XXXX XXXX CT # A XXXX, TX XXXX Wrong Address I have no connection to this address. A potential landlord refused to approve my rental application because this address showed up, making it seem like I had an unstable living history. This caused me embarrassment in front of my family, who witnessed me being denied housing. Under FCRA 609 and 611, I have the right to dispute and receive proof, but no verification was provided. This has had a serious negative effect on my life. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This wrong address makes it appear that I have moved frequently or been involved in possible fraudulent activity. Because of this, I was treated unfairly when applying for a credit increase, and the creditor cited too many inconsistent addresses as a reason to deny me. This made me feel humiliated and trapped financially. Under FDCPA 807, misrepresentation of consumer information is strictly prohibited. 
XXXX Acct : XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Charge Off This charge off was reported without validation. I was never shown a signed contract or itemized breakdown of how this balance was calculated. Because of this account, my credit score dropped significantly, and I was denied a personal loan I needed to cover medical expenses. This caused me to delay treatment, which increased my stress and health struggles. FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 require accurate reporting and validation, which were ignored. 
XXXX Acct : XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off even though I dispute its accuracy. I was never properly notified or given validation. Because of this negative account, I was rejected for a small business loan that I had applied for to expand my income. The denial caused financial strain on my household, forcing me to borrow from friends and family, which damaged my personal relationships. Under FCRA 602 ( a ), inaccurate reporting destroys trust in the credit system, and that is exactly what happened to me. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$390.00} Charge Off This small account continues to cause large damage. Even though it is reported as a charge off, no proof or validation has been provided. Because of this, my score was lowered, which led to me paying a much higher interest rate on my auto loan than I should have. Over the life of the loan, this costs me thousands of extra dollars. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable accounts, but the bureaus have failed to act. 
XXXX Acct XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This account is reported inaccurately. No original agreement has been shown, and no validation provided. Because of this false reporting, I lost a job opportunity after the employers background check flagged this account. I felt ashamed and defeated because this error cost me a chance at better employment. FDCPA 807 ( 8 ) prohibits furnishers from providing false or misleading information, yet this continues to happen. 
XXXX Acct : XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This charge off has never been validated. The reporting is misleading and harmful. I was denied a credit card application because of this account, which limited my ability to build positive credit history. I also had to rely on payday loans at extremely high interest rates, which pushed me deeper into financial stress. FCRA 609 ( c ) ( 1 ) ( E ) guarantees the right to documentation, but I never received it. 
XXXX Acct : XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment This account is showing late payments that I dispute. I was never shown full records or proof of these late payments. Because of this inaccurate reporting, I was denied a business loan that I had applied for to start a small business. This denial has limited my ability to improve my financial situation, kept me trapped in debt, and caused significant emotional distress. FCRA 623 ( a ) ( 1 ) requires furnishers to report accurately, and FCRA 611 requires deletion when unverifiable. 
XXXX Acct XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off, but I never received any proper validation or itemized accounting of this debt. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurately, and under FDCPA 809, I have a right to debt validation. Because of this charge off, I was denied a store credit card when I applied to build positive history. This denial was humiliating and limited my financial growth. It also forced me to use cash advances from other accounts, which increased my debt burden and stress. 
XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  High Balance : {$510.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in full. No proof of ownership or signed agreement was ever provided. The balance is small, yet it has had a devastating effect on my credit profile. Because of this charge off, I was denied financing for necessary home repairs, which left me in unsafe living conditions longer than necessary. Under FCRA 609 and 611, I am entitled to verification, and without it, this item must be deleted. 
XXXX XXXX  XXXX Acct : XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Charge Off This charge off is inaccurate and unverified. I requested validation and never received documentation. Because of this negative reporting, I was denied approval for a car loan, and instead had to accept a predatory loan with a much higher interest rate. Over time, this has cost me thousands of dollars that I should not have had to pay. The emotional stress of being treated as if I am irresponsible, when in reality the account is unverifiable, has caused lasting harm. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable items, yet this furnisher continues to damage my profile. 
XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off without proper documentation. I dispute it completely. Because of this account, my score dropped, and I was denied a rental application. The landlord viewed me as high risk because of this charge off, and I was left scrambling to find housing. This created stress for me and my family. Under FDCPA 807 ( 8 ), furnishers are prohibited from reporting false credit information, yet this violation continues. 
XXXX XXXX Acct : XXXX High Balance : {$3300.00} Date Opened : XX/XX/XXXX Charge Off This account is inaccurately reported and has never been properly validated. Because of this charge off, I was denied a business loan that I had applied for to expand my income opportunities. This not only hurt me financially but also prevented me from improving my familys living conditions. The ongoing damage has caused stress, sleepless nights, and humiliation. FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy, and FDCPA 807 prohibits misrepresentation. This item must be deleted immediately. 
XXXX XXXX Acct : XXXX High Balance : {$800.00} Date Opened : XX/XX/XXXX Charge Off This charge off is inaccurate and unverified. I was never provided a signed contract or itemized statement of the alleged debt. Because of this reporting, I was denied approval for a small credit card that could have helped me rebuild my credit. This forced me to rely on high-interest cash loans, which placed me in financial hardship. Under FCRA 611 and FDCPA 809, unverifiable information can not remain on my file. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in full. The reported balance and charge off status have never been validated. Because of this negative account, my auto loan application was rejected, forcing me to continue driving an unreliable vehicle. This caused ongoing stress and safety concerns for my family. The furnisher is in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting. 
XXXX XXXX XXXX XXXX XXXX Acct : XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off This appears to be a duplicate entry of the previous account, which is misleading and damaging. Duplicate reporting inflates negative information and severely impacts my credit score. Because of this duplication, I was denied housing and had to settle for a less desirable rental, which was humiliating and stressful. FCRA 607 ( b ) requires maximum possible accuracy, and duplicate reporting violates that standard. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments, which I dispute. No proper records or validation were provided to me. Because of this reporting, my mortgage pre-approval was delayed, and I lost out on a home that I wanted to purchase for my family. The emotional toll of this denial was devastating. Under FCRA 623 ( a ) ( 1 ), furnishers must report accurately, and unverifiable late payments can not remain. 
XXXX  XXXX Acct : XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off * This charge off has never been validated. Because of this account, I was denied a consolidation loan that could have helped me manage my debts responsibly. Instead, I was forced to juggle multiple high-interest payments, causing extreme financial stress. This inaccurate reporting has kept me trapped in debt. FCRA 609 ( c ) ( 1 ) ( E ) guarantees my right to documentation, which has not been provided. 
XXXX Acct : XXXX High Balance : {$38000.00} Date Opened : XX/XX/XXXX Late Payment This account is reported with late payments, which I dispute. I was never provided complete proof or a proper history of these alleged late payments. Because of this reporting, my insurance company raised my premium after reviewing my credit, costing me significantly more money each month. This is unfair and harmful. Under FCRA 611 and 607 ( b ), inaccurate reporting must be corrected or deleted. 
XXXX XXXX Acct : XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off without validation or proper documentation. Because of this negative item, I was denied a basic credit card that I applied for to rebuild my history. Instead, I was forced to depend on payday loans with extreme interest, which created financial instability for me and my family. Under FCRA 611, unverifiable information must be deleted. 
XXXX XXXX Acct : XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Charge Off This appears to be a duplicate or conflicting entry of the above account, with different balances but the same furnisher. Duplicate reporting is misleading, inflates the severity of negative information, and unfairly lowers my score. Because of this duplicate, my auto refinance application was denied, and I was forced to continue paying a higher interest rate. This duplication violates FCRA 607 ( b ), which requires maximum possible accuracy. 
XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Collection This account is reported as a collection without proper validation. I never received proof of ownership or any signed agreement regarding this debt. Because of this reporting, I was denied approval for a secured loan, which would have helped me consolidate debts. The denial kept me stuck paying higher interest, which caused financial hardship. Under FDCPA 809, debt collectors must validate before reporting, which was not done. 
XXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Collection This collection account is disputed in full. No verification has been provided. Because of this item, my rental application was denied by a landlord, who considered me high risk due to negative accounts. This created housing insecurity and significant stress for me and my family. FCRA 609 and 611 guarantee my right to verification, which has not been fulfilled. 
XXXX  Acct : XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXX Collection This collection account is also reported without validation. Because of this, my job application with a financial services company was rejected after a credit check. This was humiliating and cost me a valuable career opportunity. Reporting unverifiable debt violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807.

XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection This appears to be another duplicate entry, reported with a different balance but the same furnisher. Duplicate reporting is damaging, misleading, and unlawful under FCRA 607 ( b ). Because of this duplicate, I was denied a credit limit increase, which could have helped me manage expenses responsibly. Instead, I was forced into more costly borrowing options, causing financial harm. 
XXXX  XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX Collection This account is reported as a collection without proper validation. I was never provided signed documentation or proof of debt ownership. Because of this item, I was denied approval for a personal loan, forcing me to rely on expensive payday loans, which increased financial stress and created tension within my household. Under FCRA 611 and FDCPA 809, unverifiable collections must be removed. 
XXXX XXXX High Balance : {$860.00} Date Opened : XX/XX/XXXX Collection This collection is disputed in full. No validation was ever provided to me. Due to this reporting, my credit score was lowered, and I was denied a car lease that I had applied for. Losing this opportunity caused emotional distress and inconvenience in commuting to work, negatively affecting my livelihood. FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy in reporting, and this account violates that requirement. 
XXXX XXXX Acct : XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Collection This collection account is unverified and inaccurate. Due to this, I was denied approval for a rental property, forcing my family into less suitable housing. This created undue stress and logistical challenges for my household. FDCPA 807 prohibits reporting unverified debts. 
XXXX XXXX Acct : XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection I dispute this account in full. No proof or itemized records were provided. Because of this, I was denied a small business loan, limiting my ability to increase income. This caused financial strain and personal stress. FCRA 609 and 611 guarantee my right to verification. 
Hard Inquiries XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All the inquiries listed above are unauthorized and/or were conducted without my explicit consent. These hard inquiries have negatively impacted my credit score, leading to loan denials, higher interest rates, and increased financial costs. Under FCRA 604 ( a ), each hard inquiry requires permissible purpose, which was not met in some instances. I dispute the validity of all these inquiries and request their removal. 
Conclusion All above accounts and inquiries are inaccurate, unverifiable, duplicated, or unauthorized. Their presence has caused : Loan and credit denials Housing application rejections Employment and business opportunity loss Higher interest rates on valid accounts Family stress and emotional distress Under FCRA and FDCPA, unverifiable, duplicate, or unauthorized reporting must be deleted immediately. I demand prompt action and reserve my right to escalate through legal and regulatory channels if unresolved.

Company response to consumer: Closed with explanation