Consumer complaint received 2025-08-29 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: MS

Complaint narrative:
b'To Whom It May Concern,\nI am submitting this complaint because my credit report contains multiple inaccurate, unverifiable, and unauthorized entries that are causing extreme harm to my financial life, personal stability, and mental well-being. The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) are designed to protect consumers from false or misleading reporting, yet my rights under these laws have been blatantly violated. These entries have created a false narrative of irresponsibility, lowered my credit score, caused denied loans, increased interest rates, and created emotional distress, anxiety, and sleepless nights, affecting every aspect of my lifeXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Date Opened XXXX   Chargeoff  This account is being reported as a charge off without proper verification. I have never received the original contract, full account history, or any valid proof of debt. Reporting this without verification violates FCRA 1681s-2 and FDCPA 809, which prohibit furnishing inaccurate or unverifiable information. The false reporting has caused my credit score to drop significantly, resulting in denied credit, increased interest rates, and a pervasive sense of financial insecurity. The anxiety caused by being falsely accused of defaulting on a debt has affected my sleep, health, and daily functioningXXXX XXXX  Account XXXX  High Balance XXXX  Date Opened XXXX  Chargeoff  This charge off is inaccurate and unverifiable. I have never received validation or proof of the debt. FDCPA and FCRA protect me from such inaccurate reporting, yet it continues to appear on my report. This has created major barriers to accessing loans, credit cards, and even housing opportunities. The psychological toll of constantly defending myself against false claims, combined with the financial consequences, has been overwhelming. I have felt helpless, stressed, and unfairly targeted.XXXX Account XXXX High Balance XXXX XXXX XXXX XXXX  Chargeoff  This account is a duplicate of the above, creating a false impression of multiple defaults. Duplicate reporting is misleading and violates FCRA 1681s-2. The consequences have been extreme: I have faced repeated denials for credit, increased scrutiny from potential employers and landlords, and ongoing mental stress knowing that inaccurate reporting is harming my life. The cumulative effect of these inaccuracies has been devastating.\nThese inaccurate addresses and unverifiable charge offs have caused profound and tangible harm. I have been denied loans, faced higher interest rates, struggled to find housing, and endured the humiliation of being judged unfairly by financial institutions. The anxiety, stress, and frustration from these false reports have impacted my health, my sleep, and my ability to live without fear of financial persecution. My personal relationships have been strained as I try to explain to family and friends why I am facing barriers that I do not deserve.\nThe law is clear: FCRA 1681e(b) mandates maximum possible accuracy, FCRA 1681i requires reinvestigation of disputed items, FCRA 1681s-2 prohibits reporting unverifiable or inaccurate information, and FDCPA 807 forbids false representation of debts. By failing to correct these wrong addresses and unverifiable charge offs, the credit bureaus and furnishers are knowingly violating federal law and causing direct, measurable harm to my life.XXXX XXXX Account XXXX High Balance XXXX  Date Opened XXXX  Chargeoff  This account is being reported as a charge off without proper validation or documentation. I have never received original contracts, full payment history, or proof of the alleged default. Reporting this without verification violates FCRA 1681s-2 and FDCPA 809. The effect on my life has been profound: my creditworthiness is unfairly lowered, I have been denied loans, and the emotional stress has caused sleepless nights and constant anxiety about my financial reputation. I feel unfairly targeted and trapped by inaccurate reporting that paints me as negligent when I have acted responsibly.XXXX XXXX  Account XXXX High Balance XXXX  Date Opened XXXX   Late Payment  This late payment is reported inaccurately and without supporting evidence. FCRA 1681i requires that disputed inaccurate information be reinvestigated and corrected. The false reporting has caused higher interest rates, denied credit applications, and severe emotional stress. Each denial, each questioning of my reliability, and each financial barrier reinforces a false narrative of irresponsibility that is entirely untrue, affecting my ability to plan, save, and live with stability.XXXX  Account XXXX XXXX  Inquiry  This inquiry appears without my authorization. Unauthorized hard inquiries violate FCRA 604 and can lower credit scores unfairly. Multiple inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others have appeared in a pattern that suggests reckless reporting or abuse of my credit file. These unauthorized inquiries have created a negative impact on my credit score, making it difficult to access fair financing, and causing repeated frustration, stress, and worry over my financial stability.XXXX XXXX XXXX  Inquiry  Multiple inquiries on the same date, none of which were authorized, show negligence in reporting procedures and unfairly impact my credit score.\nThe law is clear: FCRA 1681e(b) requires maximum possible accuracy, FCRA 1681i mandates reinvestigation of disputed items, FCRA 1681s-2 prohibits reporting unverifiable information, and FCRA 604 forbids unauthorized inquiries. FDCPA 807 and 809 protect consumers from false and unverified reporting. By failing to correct these wrong charge offs, late payments, and unauthorized inquiries, the credit bureaus and furnishers are violating federal law and causing direct, measurable harm to my life.\nI demand a thorough investigation into each item, immediate deletion of unverifiable charge offs, correction of inaccurate late payments, and removal of all unauthorized inquiries. Written confirmation of these corrections must be provided. Failure to act will result in legal action under FCRA 1681n and 1681o for willful or negligent noncompliance, including claims for statutory and actual damages, plus attorneys fees. My financial future, reputation, and mental health depend on these corrections being made immediately.'

Company response to consumer: Closed with non-monetary relief