Consumer complaint received 2025-09-29 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:
I am formally disputing multiple inaccuracies on my credit report. These false entries, including late payments, charge-offs, collections, and unauthorized inquiries, are severely harming my creditworthiness, misrepresenting my financial responsibility, and violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies to report accurate and complete information. I demand an immediate investigation, correction, or deletion of each inaccurate entry. 
Incorrect Addresses XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX This is my current residence, yet it has been associated with accounts that I never opened. This misrepresentation creates confusion for lenders and misleads credit reporting agencies about my credit history. I have never authorized any creditor to link accounts to this address beyond legitimate purposes, and such reporting is a violation of FCRA 1681i ( a ). 
XXXX XXXX XXXX XXXX, TX XXXX I have never lived at this address nor conducted any financial activity there. Its appearance on my credit report is false, misleading, and could be considered identity misrepresentation. Any reporting tied to this location must be removed immediately as it is inaccurate under 15 U.S.C. 1681i ( a ). 
Account Disputes XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX, Balance : {$660.00} Reported as Late Payment. I have never missed a payment on this account. The reporting of a late payment is not only false but harmful. I maintain meticulous records of my payments, and any assertion of delinquency is baseless. Such misreporting violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and unfairly harms my credit score, potentially affecting my ability to secure loans or favorable financial terms. 
XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$21000.00} Reported as Late Payment. I have always paid on time. The false late payment is not a clerical errorit misrepresents my financial responsibility. Continuing to report this inaccuracy is a violation of both FCRA and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e. The impact is severe : lenders reviewing my credit XXXX deny applications, increase interest rates, or misjudge my reliability. This must be corrected immediately. 
XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$1400.00} Reported as Late Payment. I dispute this entry in full. I have records confirming on-time payments, and reporting a late payment creates an unfair barrier to my financial stability. This misreporting is a direct violation of FCRA 1681i, and I request immediate correction to prevent continued harm. 
XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$3600.00} Reported as Late Payment. I have never failed to pay on time for this loan. The misreporting of a late payment for an account I responsibly managed is unjust and damages my financial record. I insist this be corrected immediately under FCRA provisions. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$2800.00} Reported as Late Payment. I have always met payment obligations. Reporting a late payment on this account is false and unjust. This entry is inaccurate, violates federal law, and must be corrected or deleted. 
XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$2900.00} Reported as Late Payment. I dispute this entry in its entirety. I have never defaulted or missed a payment. Misreporting causes unnecessary stress and financial harm and is a violation of FCRA 1681i. 
XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$5700.00} Reported as Late Payment. This reporting is entirely inaccurate. I have consistently made timely payments, and reporting false late payments is not just an errorit is harmful and actionable under federal law. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$2800.00} Reported as Late Payment. I dispute this record. This false reporting misrepresents my payment history, negatively impacts my credit score, and violates 15 U.S.C. 1681i and 1681s-2. Immediate correction is required. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$3700.00} Reported as Late Payment. I have never missed a payment on this account. Each payment was submitted on time, confirmed by my bank statements and lender confirmations. The reporting of a late payment here is completely false, misleading, and harms my financial credibility. Such misreporting violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and creates an unjust barrier to financial opportunities. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$3500.00} Reported as Late Payment. This account has been managed responsibly with all payments made in accordance with the loan agreement. The report of delinquency is false and damaging. Reporting inaccurate late payments misrepresents my financial responsibility, and violates federal law including 15 U.S.C. 1681i. 
XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$4500.00} Reported as Late Payment. I dispute this entry completely. I have never missed a payment and have maintained a perfect record. Any claim of lateness is unfounded, harmful, and unlawful. These inaccuracies impact my credit score, increasing interest rates and denying opportunities unjustly. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$2000.00} Reported as Late Payment. I have consistently paid on time. This false reporting is a direct violation of FCRA and has caused measurable financial harm, including potential loan denials and reputational damage. Immediate correction is demanded. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$5000.00} Reported as Late Payment. I have meticulously maintained timely payments. The reporting of a late payment is inaccurate and damaging. I request immediate correction to reflect the truth of my payment history under FCRA 1681i. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$11000.00} Reported as Late Payment. I have never been delinquent on this account. The false reporting misleads creditors and other financial institutions, damaging my financial standing unfairly. Immediate correction or deletion is required. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$2200.00} Reported as Late Payment. This account has always been in good standing. Reporting a late payment falsely portrays me as irresponsible and violates federal law. I demand prompt correction. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$5900.00} Reported as Late Payment. I have always made on-time payments. Misreporting here is damaging, misleading, and unlawful. Immediate correction is required. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$1500.00} Reported as Late Payment. I dispute this report. I have never missed payments, and reporting false delinquency is harmful and violates 15 U.S.C. 1681i. Immediate correction is demanded. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$13000.00} Reported as Late Payment. I have always submitted payments on time. False reporting of delinquency is a violation of federal law, damages my creditworthiness, and must be corrected immediately. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$2000.00} Reported as Late Payment. I have never missed a payment on this account. Each payment was submitted on time, and the reporting of a late payment is entirely false, misleading, and damaging. Such misreporting violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and harms my creditworthiness. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$4300.00} Reported as Late Payment. I dispute this report. I have always maintained timely payments. The false reporting of delinquency is harmful, misleading, and violates federal law. Immediate correction is required. 
XXXX XXXXXXXX Date opened : XX/XX/XXXX, Balance : {$6600.00} Reported as Late Payment. I have never been late on this account. Any claim of delinquency is false and damages my financial record. Misreporting here is unlawful and must be corrected under FCRA 1681i. 
XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX, Balance : {$77.00} Reported as Late Payment. I have always paid on time. Reporting a late payment falsely portrays me as negligent and violates federal law. XXXX correction is demanded. 
XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX, Balance : {$670.00} Reported as Charge Off. I have no knowledge of this account being charged off and dispute its validity entirely. Reporting this without my verification is misleading and unlawful under FCRA 1681s-2 ( b ). I request deletion of this account immediately. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$180.00} Reported as Charge Off. I have no knowledge of this account being charged off and dispute its accuracy. Reporting false charge-offs is damaging and violates federal law. Immediate deletion is required. 
XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$2200.00} Reported as Charge Off. I have no knowledge of any charge-off on this account. This report is false, misleading, and violates FCRA 1681i. Immediate deletion is demanded. 
XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$0.00} Reported as Late Payment. I dispute this entry entirely. I have made timely payments and the reported late payment is false and harmful. Immediate correction is required. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$600.00} Reported as Late Payment. I have never missed a payment. The reporting of a late payment is entirely inaccurate, harms my financial reputation, and violates federal law. Immediate correction is demanded. 
XXXX XXXXXXXX Date opened : XX/XX/XXXX, Balance : {$0.00} Reported as Charge Off. I have no knowledge of this charge-off. The reporting of this account is false, misleading, and damaging to my credit. Immediate deletion is required under FCRA 1681i. 
XXXX  XXXX Date opened : XXXX XXXX, XXXX, Balance : {$0.00} Reported as Charge Off. I have no knowledge of this charge-off. Reporting this account as charged off is inaccurate, misleading, and damaging to my credit. This violates FCRA 1681s-2 ( b ) and must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX, Balance : {$1200.00} Reported as Collection. I have never authorized or incurred this debt. Reporting it as a collection is false, harmful, and violates FCRA 1681i ( a ). Immediate deletion is required. 
XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX, Balance : {$150.00} Reported as Collection. I dispute this account entirely. I have no knowledge of this debt and can not be held liable. Reporting this falsely is unlawful and must be corrected under federal law. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$700.00} Reported as Collection. I have no knowledge of this account. Reporting it as a collection is inaccurate, misleading, and damaging to my financial reputation. Immediate deletion is required. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$380.00} Reported as Collection. I dispute this record. I have never incurred this debt. Continuing to report this falsely violates FCRA 1681i and damages my creditworthiness. Immediate correction is demanded. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$1100.00} Reported as Collection. I have no knowledge of this account. Reporting it as a collection is false and harmful. I demand deletion or correction under FCRA 1681i ( a ). 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$670.00} Reported as Collection. I dispute this entry completely. I have no knowledge of this debt and request immediate removal from my credit report as it is false and misleading. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$680.00} Reported as Collection. I have no connection to this account. Reporting it as a collection is inaccurate and violates federal law. XXXX deletion is required. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$800.00} Reported as Collection. I have no knowledge of this debt. Reporting it as a collection is false, misleading, and damaging to my credit. This violates FCRA 1681i ( a ), and I request immediate deletion. 
XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX, Balance : {$140.00} Reported as Collection. I dispute this entirely. I have no account or liability with this company. Misreporting harms my creditworthiness and violates federal law. Immediate correction is required. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$1100.00} Reported as Collection. I have no knowledge of this debt and dispute the account. Reporting it as a collection is inaccurate and violates FCRA 1681i ( a ). Immediate deletion is demanded.

Account Disputes Unauthorized Inquiries The following hard inquiries appear on my credit report without my authorization. Reporting unauthorized inquiries is a violation of FCRA 604 and can negatively impact my credit score. I request immediate review and removal of all unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not authorized any of these entities to perform a hard credit inquiry on my report. Each unauthorized inquiry is damaging and misleading to potential lenders, and must be removed immediately. 
The repeated misreporting of both my addresses and payment histories constitutes a pattern of inaccuracy that is severely damaging to my financial reputation. Each false late payment, and each incorrect address, is a violation of my rights under the FCRA, exposing the reporting agencies to legal liability under 15 U.S.C. 1681n and 1681o. I demand immediate correction of these inaccuracies. 
I request that the CFPB intervene, investigate all disputed accounts and inquiries, and enforce the correction or deletion of all inaccurate information. I also request written confirmation of the results of your investigation.

Company response to consumer: Closed with non-monetary relief