Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
I am filing this complaint because my consumer credit report contains multiple inaccurate, unverifiable, and unauthorized entries that are causing me severe financial and personal harm. These items violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
The following accounts are being reported inaccurately : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address. Again, this is not my residence and should not be tied to me in any way. Having this false address associated with my credit history misrepresents my identity and contributes to a pattern of inaccurate reporting that is unlawful. This incorrect information makes my file unreliable, which directly violates FCRA requirements for maximum possible accuracy. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$900.00} Late Payment. This reporting is unfair, inaccurate, and misleading. The company has not verified these late payments with proper records and has not provided me with proof that I was indeed late as alleged. The FCRA requires accuracy and fairness, and the FDCPA prohibits furnishing false or misleading information in the collection and credit reporting process. Because of this, I have faced higher interest rates and loan denials. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. This reporting is illogical, as it lists a high credit of {$0.00} while simultaneously claiming a charge-off. This is contradictory and clearly inaccurate. Reporting a charge-off without an actual credit amount is misleading and violates the accuracy standards of the FCRA. The reporting has damaged my ability to refinance and apply for necessary credit. I demand deletion of this entry as unverifiable and inaccurate. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. This account is reported as a charge-off despite listing a high credit of {$0.00}, which is contradictory and inaccurate. Reporting a charge-off without any actual credit extended is deceptive, misleading, and violates FCRA 607 ( b ), which requires maximum possible accuracy. This false charge-off has led to severe credit score damage, denial of auto loans, and unnecessary financial hardship. I have requested validation and none has been provided. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. This is another contradictory entry claiming a charge-off without evidence of any loan or credit balance. Such reporting is inaccurate and misleading under FCRA 607 ( b ). This account has created unnecessary derogatory marks on my report, lowering my credit score and resulting in denials for basic financing needs. The furnisher has not provided validation despite requests, which is also a violation of FDCPA 809. 
Impact on Me : These inaccurate accounts and unauthorized inquiries have lowered my credit score significantly, leading to repeated denials of auto loans, higher interest rates on personal credit, and even difficulties in housing applications. This has created financial hardship, emotional distress, and reputational harm. 
Requested Action : I am demanding that the CFPB ensure that the credit reporting agencies and furnishers involved conduct a full reinvestigation under FCRA 611, delete or correct all inaccurate and unverifiable account entries, and remove all unauthorized hard inquiries that were made without my consent. I also request that the CFPB hold these furnishers and agencies accountable for ongoing violations of federal law and require written confirmation of corrections.

Company response to consumer: Closed with non-monetary relief