Consumer complaint received 2025-08-23 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:
Dear CFPB Representative, I am writing to file a formal complaint regarding multiple inaccurate and harmful entries being reported on my credit profile. These errors are directly damaging my financial standing, credibility, and access to necessary credit opportunities. Despite my efforts to dispute these accounts directly with the credit bureaus and creditors, the inaccurate information remains, causing me continued harm. Below, I am listing each account along with the issues, applicable laws, and my story behind why these entries must be corrected or removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Incorrect residency information. Law : FCRA 611 requires prompt correction or deletion after dispute. Story : I never resided at this apartment. Still, its presence in my file misrepresents my living history. Potential landlords and creditors use address history as a factor in fraud prevention, and by including false entries, the bureaus create unnecessary red flags on my record. This makes it appear as though I am hiding something or moving frequently, which is not true and is harmful to my reputation. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : This XXXX XXXXXXXX is not mine. Law : FCRA 607 requires accuracy. Story : A post office box not belonging to me has been attached to my file. This creates the impression that I may be connected to accounts or collections tied to this address. It raises lender suspicions and creates unnecessary problems for me every time my report is reviewed. 
XXXX XXXXXXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payments are being inaccurately reported. Law : FCRA 611 requires deletion of unverifiable data ; FDCPA 807 prohibits false reporting. Story : This is a large loan, and any false late payment severely impacts my creditworthiness. Despite my requests for validation, no documentation was provided proving the accuracy of the late payment claims. Because of this, I have been denied refinancing opportunities and forced into higher interest rates, costing me thousands of dollars and creating undue financial hardship. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Inaccurate late payment reporting. Law : FCRA 623 requires creditors to report accurate information. Story : A small account like this should not devastate my score, yet the false late payment has lowered my rating and made me ineligible for certain credit card offers and affordable loan terms. I attempted to resolve this directly with the creditor, but they failed to provide supporting evidence, which demonstrates negligence and non-compliance. 
XXXX XXXXXXXX High Balance : {$760.00} Date Opened : XX/XX/XXXX Charge Off Issue : Charge off status is incorrect. Law : FDCPA 809 requires proper validation before reporting debt. Story : The account was reported as a charge off without providing proof that the balance was accurate or that the debt was collectible. This false reporting gives the impression of irresponsibility on my part when, in reality, the creditor failed to validate the account. It has caused me to be denied even basic secured card applications, forcing me into financial exclusion. 
XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongly reported as charge off. Law : FCRA 611 requires reinvestigation and deletion if unverifiable. Story : This account was marked as charge off without a proper investigation, leading lenders to believe I abandoned responsibility. This false impression lowers my score and damages my character as a consumer. 
XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongfully listed as charge off. Law : FDCPA 807 prohibits misrepresentation of debt. Story : XXXX XXXX failed to validate this alleged charge off. As a result, my reputation is damaged, and I face constant denials for credit cards and even higher insurance premiums, which is unfair and unlawful. 
XXXX XXXX XXXX High Balance : {$800.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurately reported charge off. Law : FCRA 607 requires accuracy. Story : This false entry portrays me as financially irresponsible. In reality, no valid proof has been presented. Yet, the charge off stays on my file, dragging my score down by over XXXX points. 
XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Charge Off Issue : Incorrectly reported as charge off. Law : FDCPA 809 ( b ) requires validation. Story : This account has been listed negatively despite my disputes. It has caused me to be denied rental applications and has made employers who run background checks see me as financially unreliable. 
XXXX XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX Charge Off Issue : Charge off status not verified. Law : FCRA 611 requires deletion if unverifiable. Story : XXXX has not proven this debt to be valid, yet continues to report me negatively. This prevents me from accessing affordable credit and forces me into predatory alternatives, creating financial stress. 
XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment Issue : False late payment reporting. Law : FCRA 623 requires furnishers to report accurately. Story : A small balance has been exaggerated by false late payment status, unfairly lowering my score and portraying me as careless with obligations I never defaulted on. 
XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Charge Off Issue : Account reported as charge off inaccurately. Law : FDCPA 807 prohibits false credit reporting. Story : This entry has destroyed my ability to refinance and consolidate debt. Despite disputes, no supporting documentation was provided, yet it remains on file, which is unlawful and unfair. 
DPT EDXXXX XXXX High Balance : {$2900.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payment reporting is inaccurate and unverifiable Law : FCRA 611 requires deletion of unverifiable items, and FCRA 623 requires furnishers to report truthfully Story : I have disputed this account multiple times, yet the reported late payments remain without validation. These late payments have unfairly damaged my credit score, blocked me from applying for student loan consolidation, and raised my repayment costs significantly. 
DPT EDXXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reported late payments are inaccurate Law : FCRA 607 and 611 require accuracy and correction upon dispute Story : This account shows false late payments which have been used against me by lenders when applying for financial aid. This error prevents me from accessing fair repayment programs and portrays me as financially irresponsible when in reality no proper validation has been provided. 
XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Inaccurate late payment entries Law : FCRA 623 requires creditors to furnish accurate data Story : This false negative reporting reduces my credit score and caused me to be denied approval for small business financing. I attempted to resolve directly, but no supporting evidence was provided, violating my rights. 
XXXXXXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongful charge off status Law : FCRA 607 requires maximum possible accuracy ; FDCPA 807 prohibits false representation Story : This charge off severely impacts my creditworthiness for auto loans and housing applications. I requested validation and correction, but no verifiable documents were provided. This entry falsely paints me as financially reckless. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$54000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Account reported inaccurately as charge off Law : FCRA 611 mandates reinvestigation and correction of false information Story : The large balance makes this false entry especially harmful. It suggests I defaulted on a major auto loan, which is untrue and unverifiable. This error has prevented me from securing transportation financing and unfairly destroyed my reputation with lenders. 
XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment Issue : False late payment reporting Law : FCRA 623 requires creditors to update and report accurately Story : This negative mark has been harming me in multiple credit applications. It was not properly validated and remains on my report, creating a false picture of my payment history. 
XXXX XXXX XXXX High Balance : {$7200.00} Date Opened : XX/XX/XXXX Charge Off Issue : Improperly reported as charge off Law : FDCPA 809 ( b ) requires validation of debt Story : This entry was never proven valid. Yet it remains as a charge off, suggesting financial irresponsibility. This false report lowered my score drastically and is blocking me from business-related credit opportunities. 
XXXX XXXXXXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection Issue : Inaccurate collection reporting Law : FDCPA 807 prohibits misrepresentation of debt ; FCRA 611 requires deletion of unverifiable collections Story : XXXX has a history of purchasing unverified debts and reporting them inaccurately. This item was never validated, yet it continues to harm my report, making it harder for me to qualify for affordable credit. 
XXXX  XXXX High Balance : {$570.00} Date Opened : XX/XX/XXXX Collection Issue : Improper and unverifiable collection Law : FDCPA 809 ( b ) requires debt collectors to provide written validation Story : This account was reported without validation. I have no knowledge of this debt, yet it appears on my file, damaging my credibility and suggesting I have unpaid obligations that do not belong to me. 
XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Collection Issue : Improper and inaccurate collection entry Law : FDCPA 807 prohibits false or misleading credit reporting Story : XXXX XXXX  is notorious for reporting debts without sufficient proof. In this case, the balance even shows {$0.00}, which highlights the inaccuracy. Reporting a {$0.00} collection makes no sense and is misleading. This has still harmed my score and portrays me unfairly to lenders. 
XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection Issue : Collection entry is inaccurate and unverifiable Law : FDCPA 809 requires debt collectors to provide written validation, FCRA 611 requires deletion of unverifiable debts Story : This debt was reported without providing any proper validation. I have no record of receiving documentation from XXXX to prove the accuracy or ownership of this account. Despite disputing, the collection remains, unfairly lowering my score and creating the impression that I avoid paying legitimate debts when this debt has not been validated. 
XXXX XX/XX/XXXX Inquiry Issue : Hard inquiry placed without proper authorization Law : FCRA 604 requires permissible purpose for credit inquiries Story : This inquiry was not authorized by me, and it unfairly reduces my score and suggests I applied for credit I did not seek. This creates confusion and unfairly penalizes me. 
XXXX XX/XX/XXXX Inquiry Issue : Another unauthorized inquiry Law : FCRA 604 ( a ) ( 3 ) requires a valid application or permissible purpose Story : Again, this is an inquiry I never authorized. Having multiple inquiries from the same entity on the same date is excessive, misleading, and reduces my score unfairly.

Overall Harm and Consumer Impact The above inaccurate accounts represent a pattern of negligence and non-compliance by furnishers and credit bureaus. My rights under FCRA and FDCPA have been violated repeatedly. These errors have made it extremely difficult for me to obtain fair credit, rent housing, or even pursue financial stability. As a consumer, I should not be penalized by inaccurate or duplicate reporting that inflates my debt profile.

Requested Resolution : 1. Immediate investigation into the accuracy of these accounts.

2. Permanent deletion of duplicate or unverifiable accounts.

3. Written confirmation of the actions taken to correct my credit profile.

I respectfully request CFPBs urgent intervention to ensure compliance with federal law and to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief