Consumer complaint received 2025-07-11 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 formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 1681e ( b ) Requires maximum possible accuracy Story : I have never lived at this address nor have I ever used it in any official capacity. Reporting this address is an error and misrepresents my identity. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX Issue : Wrong Address Law : FCRA 1681e ( b ) Requires reasonable procedures for accuracy Story : This address does not belong to me. I do not recognize it and have never resided there. Its presence on my credit file suggests a serious error or possible mixed file issue. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681s-2 Furnishers must report accurate information Story : This charge-off is inaccurate and misleading. I requested documentation from the creditor which has not been provided. I dispute the balance and the manner of reporting, which severely harms my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681i ( a ) Right to dispute inaccurate information Story : I never opened this account on the reported date. This entry appears to be the result of account duplication or identity confusion. No verification has been presented to justify this negative item. 

XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681c-2 Ability to block inaccurate information Story : The alleged late payment was due to a processing error. I made a payment on time but it was not posted correctly. I submitted proof of this to the creditor but it was ignored. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} Date Opened : XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Must correct and update inaccurate info Story : This account shows a late payment that is not valid. I was enrolled in a hardship program during that time which paused my payments. Reporting a delinquency is unjust and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681e ( b ) Must ensure maximum accuracy Story : I made payments consistently and was never notified of any past due status. I believe this is either a clerical error or a misapplied payment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i Right to reinvestigation Story : This account is being inaccurately reported with repeated late payments. I was under a hardship deferment and should not have been marked delinquent. 

XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$580.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Duty to investigate disputed information Story : My bank statement shows I made the payment on time. This negative mark is unfair and severely impacts my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 Data furnishers must report correct info Story : I was never late on this account. I believe there has been a miscommunication between XXXX and the bureau. Please reinvestigate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681e ( b ) Inaccurate reporting must be corrected Story : The late payment was the result of a billing error. I was told it would be corrected, but no action was taken. This hurts my credit through no fault of my own. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$750.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Inaccurate repeated negative reporting Story : This is a duplicate entry of the above XXXX XXXX account and shows the same inaccuracy again, harming my credit unfairly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$570.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681e ( b ) Information must be verified and current Story : This late payment occurred during a known billing system glitch on the creditors side. I have documentation and request reinvestigation. 

XXXX XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681i Reinvestigation required if consumer disputes Story : This charge-off is inaccurate. Payments were made under an alternate payment arrangement. The report ignores this and misrepresents my account history. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$240.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 Furnishers must ensure accuracy Story : I was under active dispute with XXXX when the late payment was posted. This was premature and should be removed while the account was under review. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681e ( b ) Data must be reliable and substantiated Story : I was in an automatic debit plan and the funds were deducted. The late payment reporting is completely unsubstantiated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 807 / FCRA 1681i Debt must be verifiable Story : I requested debt validation but received no proper verification. Reporting an unvalidated collection violates the law. 

XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b ( f ) No permissible purpose Story : I did not initiate any application or provide consent to XXXX. This is a privacy violation and must be removed. 

XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b ( c ) Must be initiated by consumer Story : I never applied for credit with XXXX XXXXXXXX XXXX  at that time. This inquiry is harmful and must be deleted due to lack of consumer authorization.

Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

Company response to consumer: Closed with non-monetary relief