Consumer complaint received 2025-08-15 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 submitting this complaint regarding multiple inaccurate, misleading, and unauthorized entries on my credit report, which have caused significant financial harm, emotional distress, and obstacles in obtaining credit. These entries are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request immediate investigation, correction, or deletion of the disputed items listed below. 
Address Disputes : XXXX XXXX, XXXXXXXX XXXX XXXX Issue : Wrong address reported on my credit file that has never been associated with me.

Law : FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 
Story : This incorrect address has caused confusion in my credit verification processes, leading to declined applications and unnecessary investigations. I have never resided or conducted any financial transactions linked to this location. The reporting of this incorrect address reflects negligence and disregard for my rights under federal law and must be corrected immediately to prevent further credit harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Incorrect address reporting. 
Law : FCRA 1681e ( b ).

Story : The erroneous association of this address to my credit history has created false associations with potential debts, leading to questions and denials from financial institutions. Such inaccuracies violate my right to a fair and accurate credit report. 
Account Disputes : XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Issue : Charge Off reported incorrectly. 
Law : FCRA 1681s-2 ( b ). 
Story : This account was current and in good standing. The erroneous charge-off reporting is damaging my creditworthiness and exposing me to unnecessary financial scrutiny. 
XXXX XXXX XXXX High Balance : {$54000.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : I have consistently met payment requirements; reporting this as a charge-off is entirely false and damaging, requiring immediate correction. 
XXXX XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : The account is current and properly maintained. Misreporting as a charge-off misleads lenders, damages my credit, and constitutes violation of my rights under federal law. 
XXXX XXXX Account # XXXX XXXX Issue : Collection reported incorrectly with a high balance of {$360.00}, opened XX/XX/XXXX. 
Law : Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) ; Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ).

Story : This collection account has been reported without proper validation or prior notice. I never received any communication confirming this debt, nor have I acknowledged owing this amount. The inaccurate reporting has already caused significant financial stress, delaying my ability to obtain a personal loan, and affecting my housing applications. The presence of this false account on my credit report paints a misleading narrative to potential creditors that I am negligent, which is false and unfair. I demand immediate validation or permanent removal from my credit report. 
XXXX Account # XXXXXXXX XXXX Issue : Collection reported inaccurately with a high balance of {$5900.00}, opened XX/XX/XXXX. 
Law : FCRA 1681i ( a ) and 1681s-2 ( b ) Story : This account is being reported as a collection without any proof of its legitimacy. I have no record of this debt and was never provided with verification. Its inclusion is causing me to be misjudged for financial credibility, with several lenders denying applications due to this erroneous reporting. It is not only a violation of my rights but is actively harming my financial life and peace of mind. Immediate correction is required. 
XXXX XXXX Account # XXXX Issue : Collection reported incorrectly, {$380.00}, opened XX/XX/XXXX. 
Law : FDCPA 809 ; FCRA 1681s-2 ( b ) Story : Despite multiple requests for debt verification, I have received no documentation confirming that I am responsible for this debt. Reporting this collection without validation is misleading, harmful, and in violation of federal law. This account has caused unnecessary financial anxiety, affected my creditworthiness, and hindered my ability to make essential purchases. 
XXXX XXXX XXXX Account # XXXX Issue : Collection reported incorrectly, {$2400.00}, opened XX/XX/XXXX. 
Law : FCRA 1681s-2 ( b ) ; FDCPA 809 Story : This account is being reported as valid without proper documentation or verification. It has caused me emotional distress, financial instability, and has directly impacted my ability to secure loans for necessary expenses. This reporting is false and misleading, and I demand its immediate removal until legitimate verification can be provided. 
XXXX Inquiry XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( 3 ) Story : I never authorized this inquiry. Its presence misleads potential lenders regarding my financial activity. Immediate removal is necessary. 
XXXX Inquiry XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( 3 ) Story : I did not authorize this inquiry. Its reporting is inaccurate and harmful. Removal is required. 
These inaccuracies have caused tangible harm to my financial life, including denied credit applications, increased interest rates, and emotional distress. I request that the credit reporting agencies conduct a thorough investigation, verify all accounts, and permanently delete any unverified, inaccurate, or unauthorized information. Failure to comply with these laws will result in further formal complaints and potential legal action to enforce my rights under FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief