Consumer complaint received 2025-09-06 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 submitting this dispute under the Fair Credit Reporting Act ( FCRA ) Sections 601, 602, 607, 609, and 611. The following items on my credit report are inaccurate, misleading, and unverified. They are damaging my credit profile and misrepresenting my financial history. I request a full reinvestigation of each item listed below, with removal or correction of any unverifiable or incorrect information. 
Account : XXXX XXXX XXXXXXXX XXXX High Balance : {$270000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This late payment is inaccurately reported and unverifiable. Under FCRA Section 611 ( a ), I am requesting a full reinvestigation and immediate deletion of this inaccurate information. The reporting of this account has caused undue damage to my credit profile and misrepresents my payment history, violating my rights under federal law. 
Account : XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  The reported late payment is false and can not be verified. Section 611 ( a ) of the FCRA requires that all disputed information must be accurately investigated and corrected or removed. I demand immediate removal of this inaccurate reporting. 
Account : XXXX  XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX This charge-off is reported incorrectly and is unverifiable. Under FCRA Section 611 ( a ), I request reinvestigation and removal. The false reporting has materially harmed my creditworthiness and misrepresents my obligations. 
Account XXXX XXXX XXXXXXXX High Balance : {$480.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Reported inaccurately and unverifiable, violating FCRA Section 611 ( a ). Immediate reinvestigation and deletion are required as this false information negatively affects my credit profile. 
Account XXXX XXXX XXXX  XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  The charge-off reporting is false and violates Section 611 ( a ) of the FCRA. I request immediate correction or deletion to prevent further damage to my credit report. 
Account : XXXXXXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inaccurately reported, unverifiable. Section 611 ( a ) mandates reinvestigation and removal of this account from my credit file. False reporting misrepresents my payment history and creates financial harm. 
Account : XXXX XXXX XXXXXXXX XXXX High Balance : {$390.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX This charge-off is reported incorrectly and is unverifiable. Under FCRA Section 611 ( a ), I demand a full reinvestigation and deletion. The false reporting has caused significant harm to my creditworthiness. 
Account : XXXX XXXX XXXX  High Balance : {$750.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Reported inaccurately and violates FCRA Section 611 ( a ). I request immediate removal or correction as this false reporting damages my credit reputation and misstates my financial obligations. 
Account XXXX XXXX XXXXXXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inaccurate charge-off reporting, unverifiable, violating Section 611 ( a ). I request reinvestigation and deletion. False reporting misrepresents my payment history and harms my financial standing. 
Account : XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  False late payment reported, unverifiable under FCRA Section 611 ( a ). I request immediate removal or correction. This inaccurate reporting creates unnecessary harm to my credit profile. 
Account : XXXX XXXXXXXX XXXX High Balance : {$930.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Reported incorrectly and unverifiable ; Section 611 ( a ) applies. Immediate reinvestigation and deletion required. Misreporting affects my creditworthiness and violates my legal rights. 
Account : XXXX XXXX XXXX High Balance : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Falsely reported, unverifiable, Section 611 ( a ) requires reinvestigation and deletion. This inaccurate reporting misrepresents my financial history and negatively impacts my credit report. 
Account : XXXX XXXX XXXX  High Balance : {$610.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  This charge-off is inaccurately reported and unverifiable. Under FCRA Section 611 ( a ), I demand a full reinvestigation and immediate deletion. The false reporting misrepresents my payment history and has caused undue harm to my credit profile. 
Account : XXXX XXXX XXXXXXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX The reported late payment is false and violates FCRA Section 611 ( a ). I request immediate correction or removal as this inaccurate reporting negatively affects my creditworthiness and financial reputation. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Multiple duplicate late payments reported incorrectly. Section 611 ( a ) requires that unverifiable information be investigated and removed. These false entries have caused material damage to my credit score and misrepresent my financial obligations. 
Account : XXXX XXXX XXXX  High Balance : {$680.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inaccurately reported charge-off, unverifiable. Under FCRA Section 611 ( a ), I demand reinvestigation and deletion. This false reporting misrepresents my history and harms my financial profile. 
Account : XXXX XXXXXXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Reported inaccurately, unverifiable, violates FCRA Section 611 ( a ). Immediate deletion or correction is requested to prevent further credit harm. 
Account : XXXX XXXXXXXX High Balance : {$370.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Incorrectly reported and unverifiable, violating FCRA Section 611 ( a ). I request full reinvestigation and deletion. The false entry negatively impacts my creditworthiness. 
Account : XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Reported late payment is inaccurate, unverifiable. Section 611 ( a ) requires removal of false reporting. This false reporting has caused significant harm to my credit profile. 
Account : XXXX XXXXXXXX XXXX High Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Falsely reported charge-off, unverifiable. Section 611 ( a ) mandates immediate reinvestigation and deletion. This inaccurate reporting misrepresents my payment history and negatively affects my financial standing. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$28000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Reported incorrectly and unverifiable, violating FCRA Section 611 ( a ). Immediate removal requested. False reporting has damaged my creditworthiness and misrepresented my obligations. 
Account : XXXX XXXXXXXX High Balance : {$30000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Incorrect late payment reported, unverifiable, violating Section 611 ( a ). I request deletion or correction. This false entry harms my financial reputation and credit profile. 
Account : XXXX XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Falsely reported late payment, unverifiable. Under FCRA Section 611 ( a ), reinvestigation and deletion are required. The inaccurate reporting misrepresents my financial responsibility. 
Account : XXXX XXXX XXXX XXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Inaccurate and unverifiable collection reporting. Section 611 ( a ) mandates reinvestigation and deletion. False reporting negatively impacts my creditworthiness. 
Account : XXXX XXXX XXXX XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Reported inaccurately, violates FCRA Section 611 ( a ). I demand correction or deletion. The false entry misrepresents my payment history and harms my credit profile. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$680.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inaccurate collection reported, unverifiable. Section 611 ( a ) requires reinvestigation. Immediate deletion requested to correct my credit report. 
Account : XXXX XXXXXXXX XXXX XXXX  High Balance : {$6500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Falsely reported collection, unverifiable, violating Section 611 ( a ). I request deletion to protect my credit profile. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Reported inaccurately, unverifiable, Section 611 ( a ) applies. Immediate removal requested. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$610.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Falsely reported collection, violates FCRA Section 611 ( a ). I request reinvestigation and deletion.

Account XXXX XXXX XXXX XXXX XXXX High Balance : {$630.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Inaccurately reported, unverifiable. Section 611 ( a ) requires immediate correction or deletion. 
Account : XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Falsely reported collection, unverifiable. Section 611 ( a ) mandates removal. 
Account : XXXX XXXX XXXX  High Balance : {$930.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Reported incorrectly and unverifiable. I request deletion under FCRA Section 611 ( a ). 
Account : XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inaccurate reporting, unverifiable. Section 611 ( a ) applies ; deletion requested. 
Account : XXXX XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Falsely reported collection, unverifiable, violates Section 611 ( a ). I request removal. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$750.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Reported incorrectly, unverifiable. Section 611 ( a ) mandates reinvestigation and deletion. 
Account : XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  This collection is inaccurately reported and unverifiable. Under FCRA Section 611 ( a ), I demand a full reinvestigation and immediate deletion. The false reporting misrepresents my payment history, causes financial harm, and negatively impacts my credit profile. 
I request that all unverifiable, inaccurate, or misleading information be fully reinvestigated, corrected, or deleted as required under FCRA law. Each item listed above violates Sections 609 and 611 if left unverified. I request the credit bureau to provide written confirmation of any deletions or corrections completed

Company response to consumer: Closed with non-monetary relief