Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal dispute regarding multiple inaccurate entries on my credit report and request immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. The following accounts and inquiries are inaccurately reported, negatively affecting my creditworthiness, causing financial harm, and misrepresenting my actual financial history. 
Wrong Addresses : XXXX XXXX XXXX XXXX, TX XXXX This address is also not associated with me. Its presence on my credit report constitutes a repeated violation of FCRA obligations. The inaccurate addresses have contributed to wrongful assumptions about my credit history, potentially affecting my ability to secure loans, housing, or other essential financial services. The inclusion of multiple incorrect addresses makes my credit file appear unreliable and opens me up to potential identity misrepresentation or fraud. It undermines my credibility as a responsible consumer and adds unnecessary burden to monitor and correct these errors continuously. 
Account Disputes : XXXX XXXX XXXXXXXX * High Balance : {$1200.00}, Date Opened : XX/XX/XXXX Late Payment. This late payment is reported incorrectly. I have never missed payments on this account according to my personal records. Reporting false delinquencies violates FCRA 15 U.S.C. 1681s-2 and misrepresents my financial reliability. The reported late payment has already impacted my ability to qualify for new credit at favorable terms and has caused me emotional stress and financial planning difficulties. I have had to provide additional documentation and explanations to lenders due to this false reporting, wasting both time and resources. 
XXXX  XXXXXXXX XXXX XXXX  High Balance : {$12000.00}, Date Opened : XX/XX/XXXX Charge Off. This account has been erroneously reported as a charge-off. I have evidence of full compliance with account terms, and the current reporting harms my credit reputation unfairly. The false charge-off has created a barrier for me to refinance mortgages, apply for new credit cards, and even affected my ability to negotiate certain service contracts. This inaccurate information has tangible, negative effects on my life and financial opportunities. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$17000.00}, Date Opened : XX/XX/XXXX Charge Off. This charge-off is incorrectly listed. I have consistently maintained this account, and any reporting of default is inaccurate. The presence of this false charge-off has caused me to be denied credit, increased interest rates on existing credit, and has affected my standing with utility companies and landlords. This situation has forced me to spend considerable time contacting creditors, providing documentation, and following up with credit bureaus to correct these inaccuracies. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$830.00}, Date Opened : XX/XX/XXXX Late Payment. This reported late payment is erroneous. My records confirm timely payments. Reporting this inaccuracy constitutes willful negligence and violates my rights under FCRA. The inaccurate late payment has hindered my financial mobility, limited access to certain loans, and caused reputational damage with creditors. The repeated reporting of inaccurate information has a cumulative negative effect on my credit profile, making it critical that these errors are corrected immediately. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$92.00}, Date Opened : XX/XX/XXXX Late Payment. This late payment is incorrectly reported. My records confirm all payments were made on time. This false reporting has caused me unnecessary stress and has affected my ability to obtain new credit at favorable terms. Financial institutions reviewing my report may wrongly assume delinquency, resulting in higher interest rates and loan denials. The time and effort required to dispute this inaccuracy further adds to the burden. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$24000.00}, Date Opened : XX/XX/XXXX Late Payment. This reported delinquency is false. I have maintained timely payments according to my records. The presence of this inaccurate late payment has already affected my credit evaluation, making lenders question my reliability, and it threatens my ability to secure favorable financing. This misreporting carries real financial consequences including higher costs of credit and potential missed opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$4700.00}, Date Opened : XX/XX/XXXX Collection. This account is inaccurately reported as a collection. I dispute this reporting and request verification or removal. Misreported collections harm my ability to secure loans, affect housing applications, and create stress and financial uncertainty. The incorrect reporting represents a violation of FCRA and has tangible adverse effects on my life and credit opportunities. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX : {$10000.00} Late Payment. This reported late payment is erroneous. My payment records indicate full compliance. This false reporting affects my creditworthiness, limits access to financial services, and causes financial and emotional strain. Each inaccurate entry forces me to repeatedly verify my payment history to multiple institutions, wasting significant time and energy. 
Hard Inquiries Disputes : XXXX XX/XX/XXXX. This hard inquiry is unverified and unauthorized. Reporting this inquiry is a violation of my consumer rights and may lead to unnecessary financial consequences, including restricted credit access and increased borrowing costs. Immediate deletion is required. 
XXXX XX/XX/XXXX .None of these inquiries were authorized by me. Reporting these multiple times misrepresents my credit behavior, lowers my credit score, and violates FCRA rules. They create unnecessary obstacles in securing credit, require extensive effort to dispute, and cause emotional and financial stress. Immediate deletion is demanded.

Summary : The above-listed inaccuracies in accounts and unauthorized inquiries demonstrate a consistent pattern of negligent and harmful reporting. These false entries and inquiries have negatively impacted my creditworthiness, caused confusion, financial and emotional stress, and tangible financial harm including higher interest rates, loan denials, and restricted access to credit. Pursuant to FCRA 15 U.S.C. 1681i, I demand that all disputed items be fully investigated, verified, and corrected or deleted from my credit file. I also request written confirmation of corrections and updated credit reports reflecting accurate information. Continued reporting of inaccurate or unauthorized entries exposes the reporting agencies to legal liability under FCRA and applicable state consumer protection laws.

Company response to consumer: Closed with non-monetary relief