Consumer complaint received 2025-09-03 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 XXXX Concern, I am filing this complaint against the credit reporting agencies and furnishers for failing to comply with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, regarding the following inaccurate and harmful items being reported on my credit file. These errors are damaging my creditworthiness, financial stability, and overall reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Address This address is being repeated in my file with inconsistent formatting, which is an error under FCRA XXXX. Duplicate or inaccurate information is misleading and misrepresents my residence history. This duplication makes it appear as if I have multiple identities or instability in housing, which has negatively impacted background checks for employment and created doubt about my stability. This false duplication has cost me opportunities and peace of mind. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Address This address is also false and should never have been attached to my credit file. It reflects negligence in data verification and violates my consumer rights under FCRA XXXX. Because of this false reporting, I was denied approval for a credit card as the underwriter believed I had undisclosed addresses, which raised red flags. This has damaged my financial opportunities and trustworthiness in the eyes of creditors. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is inaccurately reported as a charge off even though the balance is {$0.00}. Under FCRA XXXX and XXXX, reporting a {$0.00} balance as charged off is misleading and unfair. Because of this error, my credit score dropped, which increased the interest rate on a car loan I was approved for. I was forced to pay higher monthly payments, creating financial strain. This inaccurate report has real financial consequences for me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is being reported with late payments despite showing a {$0.00} balance. Under FCRA XXXX and XXXX, information reported must be complete and accurate. This false late payment reporting has caused me to be denied a mortgage refinance, even though I worked hard to keep my accounts in good standing. The error has not only hurt my financial goals but also created significant emotional distress because I felt punished for something I never did. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is marked as a charge off even though the balance is {$0.00}. This is false and misleading reporting in violation of FCRA XXXX ( B ). This false derogatory entry has caused me embarrassment when I applied for a personal loan and the lender questioned why a {$0.00} balance was showing as charged off. I was denied access to funds I needed for family emergencies, which placed me in a difficult and stressful financial position. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is incorrectly reported as charged off. A {$0.00} balance can not be legally categorized as a charge off. This is a clear violation of FCRA XXXX ( A ) ( XXXX ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Because of this derogatory entry, I was denied approval for a credit card that I needed to consolidate debt. Instead of being able to manage my finances better, I was forced to rely on high-interest alternatives, which worsened my financial hardship. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charge Off This account is being reported as a charge off, but the information is incomplete and inaccurate. FCRA XXXX ( B ) requires maximum possible accuracy. Reporting an account with errors as charged off creates the false impression that I defaulted, which is untrue. Because of this derogatory entry, I was denied approval for a home improvement loan, forcing me to postpone necessary repairs and live in unsafe conditions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} Charge Off This account is also reported as charged off inaccurately. The reporting furnisher has failed to provide verifiable documentation as required under FCRA XXXX. Because of this entry, my credit score has been severely impacted, which resulted in higher interest rates on a car loan. The financial burden from inflated monthly payments has created unnecessary hardship for my family. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charge Off This account is reported with conflicting and inconsistent details across the bureaus. Inconsistencies violate FCRA XXXX ( A ) ( XXXX ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. This has led to confusion and made it look like I had multiple defaults. Because of this false reporting, I was embarrassed during a rental application when the landlord questioned my integrity. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Charge Off This account is reported as a charge off with a large balance that does not match my actual history. This appears to be inflated, misleading, and unverified, in violation of FCRA XXXX and XXXX. This reporting has directly harmed me by preventing approval for a consolidation loan. Instead of being able to pay down debt responsibly, I have been forced into paying higher costs due to inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX  Court : XXXX Bankruptcy XXXX Bankruptcy This bankruptcy is inaccurately reported and has been reinserted multiple times without proper certification as required under FCRA XXXX ( a ) ( XXXX ). I never authorized nor confirmed the accuracy of this reporting. The stigma of bankruptcy reporting has prevented me from securing professional opportunities where credit history is reviewed. This has directly harmed my career and financial stability. 
XXXX XXXX XXXX XXXX XXXXXXXX Court : XXXX Bankruptcy XXXX Bankruptcy This bankruptcy entry is inconsistent and duplicative. Duplicate entries for bankruptcies misrepresent my financial history, which violates FCRAs requirement of maximum accuracy. Because of this error, I was denied a business line of credit, which cost me growth opportunities for my small business. 
XXXX XXXX XXXX XXXX XXXXXXXX Court : XXXX Bankruptcy XXXX Bankruptcy This is another bankruptcy entry being reported inaccurately. Reporting multiple Chapter XXXX filings when they are not valid is misleading and unlawful. These false reports have caused me severe emotional distress, as creditors have treated me as high risk and refused even basic financial services. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry is also unauthorized and violates FCRA XXXX. The repeated unauthorized pulls from multiple companies within a short time frame give the false impression that I am financially unstable. This has damaged my ability to secure fair credit and has caused significant stress in my personal life. 
The above accounts, bankruptcies, and inquiries are being reported inaccurately and unlawfully. They have caused me financial harm, higher interest rates, denial of credit opportunities, emotional distress, and reputational damage. Under FCRA, I request immediate deletion and correction of these items. If this matter is not resolved promptly, I will escalate to the CFPB, FTC, and consider legal remedies for damages caused by these violations

Company response to consumer: Closed with non-monetary relief