Consumer complaint received 2025-05-18 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 writing to dispute multiple inaccurate, potentially duplicated, and unauthorized items currently listed on my credit report. These entries are causing significant and unjust harm to my credit profile and are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$630.00} Status : Charge-Off Issue : FCRA Violation Possible duplicate reporting or incorrect balance. 
XXXX Requested : Verify with complete documentation or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$240.00} Status : Charge-Off Issue : FCRA Violation Duplicate reporting with conflicting balance and dates. 
Action Requested : Remove immediately if duplication or reporting error is confirmed.

These two listings appear to reflect the same debt, yet they are reported separately with different balances and dates. This misrepresentation is in violation of FCRA 607 ( b ), which mandates maximum possible accuracy in all consumer reports.

The following inquiries were not authorized by me and appear to lack a valid permissible purpose as defined by FCRA 604 ( a ) : 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 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 XXXX XXXX Many of these inquiries appear to be auto loan or financial service related, which I did not authorize or initiate. They may have been pulled by third parties without my knowledge, consent, or a legitimate business needin violation of FCRA 604 ( a ) ( 3 ) and 616.

Please remove any inquiries that can not be validated with signed applications, proof of permissible purpose, and authorization. Failure to provide such documentation should result in immediate removal.

I am a hardworking individual trying to rebuild my financial life after facing numerous unforeseen hardships, including job loss and personal health challenges. These reporting errors, duplicates, and unauthorized inquiries have significantly hindered my ability to obtain affordable credit, housing, and even employment in some cases.

The emotional burden and daily stress caused by unfair and inaccurate credit reporting have deeply impacted my peace of mind. I am simply asking for a fair and lawful representation of my credit profile. 
________________________________________ Under FCRA 611, I request that you conduct a full reinvestigation into the items listed above. I expect : 1. Verification of each disputed item with original source documentation.

2. Deletion of any unverifiable, duplicated, or unauthorized items.

3. A written summary of your findings.

4. A corrected copy of my credit report within 30 days of this notice.

If these issues are not resolved within the timeframe specified by law, I will escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 
Thank you for your time and cooperation. I look forward to your response and the resolution of these serious issues.

Company response to consumer: Closed with non-monetary relief