Consumer complaint received 2025-08-11 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 formal complaint regarding multiple inaccuracies, unauthorized entries, and misleading information currently being reported on my credit report. These entries have caused significant harm to my creditworthiness, reputation, and financial stability. Each of the following entries violates provisions of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and, in some cases, the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Under FCRA 602 ( A ), I have the right to expect maximum possible accuracy in my credit reporting, and the listed items clearly demonstrate noncompliance. 
CHARGE-OFF XXXX XXXX XXXX XXXX XXXX High Balance : {$2600.00} | Date Opened : XX/XX/XXXX Charge-Off XXXX XXXX  Issue : I have no record of opening or authorizing this account. No signed contract or account verification has been provided to me. 
Law : Under FCRA Section 609 ( a ) ( 1 ), I have the right to request all documentation used to verify this account. Failure to provide such documentation renders the account unverifiable and it must be removed. 
Story : This false charge-off dropped my credit score by over XXXX points, causing me to be denied a personal loan I needed to cover medical expenses. 
XXXX XXXX XXXX XXXX  | High Balance : {$2400.00} | Date Opened : XX/XX/XXXX Collection XXXX XXXX Issue : This debt is unverified, and no documentation proving its validity has been provided. 
Law : FDCPA Section XXXX requires debt XXXX to provide written verification of the debt upon request before continuing collection efforts. 
Story : This false collection account caused my rental application to be rejected. I lost the opportunity to move into a property I had already placed a deposit on, leading to financial loss and stress. 
UNAUTHORIZED / EXCESSIVE INQUIRIES ( Under FCRA Section 604, a permissible purpose is required for any credit inquiry. Without consumer authorization or a valid business need, such inquiries are illegal. ) XXXX XX/XX/XXXX Inquiry Story : I did not authorize any XXXX XXXX financing application. 
XXXX XXXX XX/XX/XXXX Inquiry Story : Unknown entity ; no permissible purpose for this inquiry exists. 
XXXX XXXX XX/XX/XXXX Inquiry Story : I have no loan applications with XXXX XXXX XXXX. 
XXXX XX/XX/XXXX Inquiry Story : I have not applied for financing through this dealership. 
XXXX XX/XX/XXXX Inquiry Story : Duplicate and unauthorized inquiry that continues to damage my credit score. 
Legal Demand : Pursuant to FCRA 611 ( a ), I demand that the CFPB direct the relevant credit bureaus and furnishers to investigate and permanently delete all the above-listed inaccurate addresses, late payments, invalid collections, and unauthorized inquiries from my credit file. Under FCRA 616 and 617, willful or negligent noncompliance subjects the violators to actual, statutory, and punitive damages, as well as attorneys fees. I request that the CFPB take immediate enforcement action to ensure compliance, protect my consumer rights, and prevent further harm. 
I affirm under penalty of perjury that the facts stated in this complaint are true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief