Consumer complaint received 2025-09-25 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 May Concern, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection statutes regarding inaccurate, misleading, and unverifiable items currently reported on my credit profile. These entries have caused severe harm to my financial life, lowering my credit score, denying me access to fair credit, and creating unjust barriers to housing and employment opportunities. I am requesting immediate investigation and deletion of the following disputed items : Negative Accounts Reporting : XXXX XXXX XXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/XXXX Reported as a charge-off. This account is inaccurately reported. I have never received proper validation, billing statements, or evidence proving this debt belongs to me. Under FCRA Section 609 and FDCPA Section 809 ( a ), I have the right to request validation, and none has been provided. Reporting this as a charge-off without evidence is unlawful. This is harming my creditworthiness and must be deleted. 

XXXX XXXX XXXX XXXX  High Balance : {$990.00} Date Opened : XX/XX/XXXX Wrongly reported as a charge-off. I dispute the accuracy, ownership, and reporting practices of this account. Creditors are required under FCRA Section 623 to report only accurate and verifiable data, but this tradeline is inconsistent, unverifiable, and therefore unlawful. Keeping it on my report creates unfair harm. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Reported as charge-off. This is highly questionable and misleading. I have not received validation, and the reporting dates, balances, and statuses appear manipulated. Under FCRA 602 ( A ), credit reporting must be fair and equitable, but this account demonstrates clear negligence. It must be removed for violating my rights. 

XXXX XXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Reported as charge-off. This account is disputed as inaccurate, unverifiable, and misleading. No original signed contract, no billing statements, and no legal validation has been provided. Continuing to report such unverifiable data violates FCRA 623 and FDCPA requirements. This account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Reported with late payments. I strongly dispute this reporting. The late payments are not accurate and have never been validated. FCRA Section 607 ( b ) requires the highest accuracy, yet this creditor continues to report damaging and misleading data. These late payments are hurting my financial stability and must be corrected or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Reported with late payments. I dispute these lates as inaccurate and unverifiable. No original billing statements, contracts, or evidence have been provided to prove the accuracy of this reporting. Under FCRA Section 609 and 611, I have the right to demand proper investigation, and under FCRA Section 623, furnishers are required to report accurate information only. This tradeline is harming my financial credibility and must be corrected or deleted immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$39000.00} Date Opened : XX/XX/XXXX Reported with late payments. This account reporting is inaccurate and harmful. Given the high balance, the false late payments severely impact my creditworthiness, ability to access fair credit, and overall financial stability. FCRA Section 602 ( A ) requires fair and equitable reporting, and this account violates that principle. I demand proof of accuracy or immediate deletion. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. I did not apply for credit with XXXX XXXX on this date, and therefore, this inquiry is damaging and misleading. Under FCRA Section 604, inquiries must be permissible and authorized by the consumer. This was not. 

XXXX XXXX XX/XX/XXXX Inquiry Another unauthorized inquiry. I never gave permission, signed an application, or consented to this inquiry. Repeated unauthorized inquiries show negligence and violations of my consumer rights. These must be deleted immediately under the FCRA. 
The reporting of these inaccurate accounts and inquiries violates my rights under FCRA Sections 602, 607 ( b ), 609, 611, and 623, and also places the credit bureaus and furnishers in noncompliance. These items are lowering my credit score, leading to denials of financial opportunities, higher interest rates, and emotional distress. If these inaccuracies are not fully resolved, I reserve my right to pursue legal remedies under FCRA Section 616 ( civil liability for willful noncompliance ) and Section 617 ( civil liability for negligent noncompliance ). 
I demand a complete investigation within the 30-day timeframe mandated by law and written confirmation of the results.

Company response to consumer: Closed with non-monetary relief