Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
To Whom It May Concern I am submitting this complaint regarding multiple inaccuracies and unlawful reporting on my credit report that have caused severe financial hardship, emotional distress, harassment from debt collectors, and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These inaccuracies include unverified collection accounts and unauthorized hard inquiries that have significantly impacted my creditworthiness, access to loans, interest rates, and overall financial stability. I demand immediate investigation, correction, and removal of these inaccuracies.

XXXX XXXX XXXX, AZ XXXX Wrong Address Issue : This address is falsely associated with my credit profile. I have never resided at this location. Listing false addresses violates FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. The incorrect address has led to misdirected mail, calls from collection agencies about accounts that are not mine, and potential identity confusion. This has caused significant stress and XXXX  as I fear misrepresentation of my residency history, and it has complicated legitimate attempts to resolve other accurate debts and financial matters. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Wrong Address Issue : This false address is reported without my consent, in violation of FCRA 1681i, which requires accurate verification of all consumer information. As a result, I have experienced denied credit applications, unnecessary fees, and administrative complications. The emotional impact includes constant XXXX  over identity misrepresentation and stress from having to dispute unrelated accounts multiple times. 
XXXX XXXX XXXX High Balance : {$320.00}, Date Opened : XX/XX/XXXX Late Payment Issue : This late payment is inaccurately reported. I have documented proof of on-time payments or payment misapplications. Reporting false late payments violates FCRA 1681s-2 ( a ) and FDCPA 1692e. This misreporting has negatively impacted my credit score, resulting in higher interest rates, denial of new credit, and additional financial pressure. The continued misrepresentation has caused emotional distress, sleepless nights, and fear of further damage to my credit reputation. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$320.00}, Date Opened : XX/XX/XXXX Charge Off Issue : The reported charge-off is inaccurate and unverified, violating FCRA 1681i ( a ) and FDCPA 1692g ( b ). This has led to unwarranted collection attempts, false assumptions about my payment behavior, and denial of credit opportunities. The stress from repeated collection calls and letters has been overwhelming, causing XXXX, distraction, and disruption to my professional life and personal wellbeing. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00}, Date Opened : XX/XX/XXXXXXXX  Charge Off Issue : The reported charge-off is inaccurate, outdated, and unverified, in violation of FCRA 1681i ( a ). The false reporting has caused denial of mortgage applications, higher loan interest rates, and prolonged financial uncertainty. I have experienced frustration and emotional strain while trying to correct this inaccurate account, which has hindered my ability to plan and execute financial decisions. 
XXXX XXXX XXXX High Balance : {$470.00}, Date Opened : XX/XX/XXXXXXXX  Late Payment Issue : This late payment is inaccurately reported, violating FCRA 1681e ( b ). The false late payment has led to increased interest rates, credit denial, and financial hardship. Emotional impact includes frustration, worry, and repeated time spent disputing inaccurate reporting while managing legitimate obligations. The misreporting has caused financial instability and unnecessary stress in everyday life. 
XXXX XXXX XXXX High Balance : {$4500.00}, Date Opened : XX/XX/XXXXXXXX  Collection Issue : This collection is unverified, inaccurately reported, and violates FCRA 1681i and FDCPA 1692g. The account has caused denied credit applications, harassment from collection agencies, and financial hardship. The emotional toll includes persistent XXXX, stress while interacting with creditors, and disruption to professional and personal responsibilities. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$910.00}, Date Opened : XX/XX/XXXXXXXX  Collection Issue : This account is inaccurately reported and fails verification under FCRA 1681i ( a ). Repeated collection attempts despite disputes demonstrate negligence. The false reporting has caused financial harm, emotional stress, and unnecessary interference with legitimate financial activities. I have experienced repeated denials of loans and increased interest rates due to this inaccurate account. 
XXXX XXXX XXXX  High Balance : {$1200.00}, Date Opened : XX/XX/XXXXXXXX  Collection Issue : This collection is disputed, unverified, and falsely reported, violating FCRA 1681i and FDCPA 1692e. The reporting has damaged my creditworthiness, caused repeated collection attempts, and imposed emotional and financial stress. It has delayed my ability to access housing, loans, and necessary financial services, creating unnecessary hardship. 
XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$5100.00}, Date Opened : XX/XX/XXXX Collection Issue : This collection account is unverified and inaccurately reported, violating FCRA 1681i ( a ) and FDCPA 1692g. Immediate correction is required as it has resulted in denied loans, high interest rates, financial stress, and constant XXXX. The misreporting affects daily life, financial planning, and mental wellbeing, creating ongoing hardship and distrust in the credit reporting system. 
XXXXXXXX XXXX XXXX XXXXXXXX High Balance : {$4300.00}, Date Opened : XX/XX/XXXXXXXX  Collection * * Issue : This collection is inaccurately reported and unverified, violating FCRA 1681i ( a ) and FDCPA 1692e. I have never received proper validation for this debt. The repeated reporting has resulted in denied mortgage and loan applications, inflated interest rates, and undue financial strain. The emotional stress has impacted my ability to focus at work and manage personal obligations. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry, violating FCRA 604 ( a ). The impact includes credit score reduction, denied credit, and unnecessary financial and emotional stress. Immediate removal is required. 
XXXX XXXXXX/XX/XXXX Inquiry Issue : Hard inquiry made without consent, violating FCRA 604 ( a ). Immediate removal is demanded as this has impacted my creditworthiness and caused financial hardship. 
I demand that all items listed above be immediately investigated, verified, corrected, or removed from my credit report. Continued reporting of inaccurate information constitutes a violation of federal law under FCRA 1681 et seq. and FDCPA 1692 et seq., and I reserve all rights to pursue further legal action if these inaccuracies are not promptly resolved.

Company response to consumer: Closed with non-monetary relief