Consumer complaint received 2025-09-25 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: NV

Complaint narrative:
Dear CFPB, I am filing this formal complaint to report multiple inaccuracies on my credit report that have caused substantial financial harm, reputational damage, and denial of credit opportunities. These entries include inaccurate charge-offs, misreported bankruptcy, and unauthorized hard inquiries. I invoke my rights under 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., and demand urgent investigation, correction, or deletion of all inaccurate items Wrong Addresses : 11882 XXXX XXXX, XXXX XXXX, CA, XXXX Reporting this address as mine is completely false. This incorrect address could wrongly tie me to debts or legal actions that are not mine. Continued reporting of this address exposes me to harm and is a violation of my rights under FCRA. Immediate correction and deletion are demanded Accounts with Charge Offs/ Erroneous Reporting : XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$1500.00} Charge Off reported incorrectly. I have maintained records proving that payments were made according to the agreed schedule. Misreporting this account as charged off negatively impacts my credit score, affects loan approvals, and creates undue stress. I dispute the validity of this reporting and demand deletion or correction XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$500.00} Charge Off is falsely reported. Documentation exists that this account was either paid or settled in accordance with the agreement. Reporting this incorrectly is misleading to future creditors and violates FCRA 1681i ( a ). Immediate removal is required XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX High Credit {$1500.00} Charge Off reporting is inaccurate. The account status has been misrepresented, causing significant damage to my financial reputation. This inaccurate reporting may result in denial of credit, higher interest rates, and unwarranted financial scrutiny. I demand investigation and correction XXXX XXXXXXXX XXXX Date XX/XX/XXXX High Credit {$4200.00} Charge Off reported erroneously. I dispute this account reporting due to improper recording of payments, failure to notify me of issues, and lack of verification. This has caused undue stress and hindered my ability to secure credit. Correct this reporting immediately XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$2200.00} Charge Off reporting is inaccurate, incomplete, and misleading. My payment history shows that the account was managed responsibly, and incorrect reporting harms my reputation. I demand investigation, validation, and correction XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported is false. I dispute the legitimacy of this reporting. Reporting this account incorrectly can result in financial losses, denial of credit, and undue stress. Immediate removal or correction is required XXXX XXXX Open Date XX/XX/XXXX High Credit {$5000.00} Charge Off is incorrectly reported. I dispute this reporting because all payment records indicate compliance with the account agreement. Misreporting this account is a direct violation of FCRA XXXX ( a ) requiring accurate reporting and verification of disputed items. This false reporting can lead to denial of loans, higher interest rates, and damage to my professional reputation. I demand immediate deletion or correction, including notification to all recipients of this false information COMENITYCAPITAL/MYCASH XXXX Open Date XX/XX/XXXX High Credit {$1700.00} Charge Off is incorrectly reported. I have maintained all payment records and account statements proving compliance with the account agreement. Misreporting this account violates FCRA 1681i ( a ) which requires verification of disputed items, and 1681e ( b ) which mandates maximum possible accuracy. This misreporting damages my credit score, affects loan eligibility, and may be considered willful noncompliance under federal law. Immediate deletion or correction is required along with written confirmation of action taken XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off inaccurately reported. I have no record of default or delinquency. Reporting this falsely violates FCRA 1681e ( b ) and misleads creditors, creating undue financial hardship. Misrepresentation of mortgage accounts can also affect insurance and employment approvals. Investigation and permanent correction demanded XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported erroneously. Misreporting affects creditworthiness, mortgage eligibility, and financial trustworthiness. FCRA 1681s-2 requires that furnishers provide accurate information. Failure to verify and correct is a violation, and may lead to civil liability. Immediate removal required XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off inaccurately reported. This false reporting is damaging, violates FCRA 1681i ( a ) and 1681e ( b ), and exposes me to financial harm including loan denial, higher interest rates, and reputational damage. Investigation and deletion demanded XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported incorrectly. Misrepresentation affects credit score and borrowing capacity. FCRA XXXX mandates prompt investigation and correction of inaccurate information. Misreporting may constitute willful violation under federal law. Immediate removal required XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off is falsely reported. I dispute this as inaccurate and unverifiable. Misreporting under FCRA 1681s-2 and FDCPA 1692e creates legal liability for the reporting agency. This false information negatively impacts credit access and causes undue stress. Verification and removal demanded XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off inaccurately reported. Misrepresentation violates FCRA 1681e ( b ) and 1681i ( a ). This false reporting impacts my financial credibility and may cause rejection of loans, higher interest rates, and long-term harm to my credit profile. Immediate correction and written confirmation required XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off is falsely reported. Reporting this account incorrectly is a violation of FCRA and may constitute willful noncompliance. XXXX affects loan approval, mortgage applications, and insurance. Investigation, verification, and removal demanded immediately XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off inaccurately reported. I dispute this entry as it is unverifiable and false. Misreporting violates FCRA 1681i ( a ), 1681e ( b ), and may lead to civil liability. It negatively affects financial reputation and credit opportunities. Immediate deletion required XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported erroneously. Reporting false information violates FCRA and FDCPA, causing financial and reputational damage. Immediate correction or deletion is required along with written confirmation of actions taken XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off is incorrectly reported. Account records show compliance with the original terms. Misreporting this entry violates FCRA 1681e ( b ) for accuracy and 1681i ( a ) for verification of disputes. False reporting damages my credit profile, impacts loan approval, and may be considered willful violation under federal law. Immediate deletion or correction required XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off inaccurately reported. Misrepresentation affects creditworthiness, mortgage eligibility, and financial credibility. FCRA 1681s-2 requires furnishers to provide accurate information. Immediate investigation and removal demanded Bankruptcy : Bankruptcy Chapter XXXX Docket Identifier XXXX XXXX XXXX Bankruptcy XXXX Reporting of this bankruptcy may be inaccurate, incomplete, or misrepresented. FCRA 1681e ( b ) requires maximum possible accuracy. Misreporting bankruptcy status can cause undue harm to credit approvals, employment opportunities, and insurance rates. Verification, correction, or clarification of this entry is required Each of these entries is factually incorrect, inaccurately attributed, or unverifiable. Under FCRA and FDCPA, I am entitled to : 1. Immediate deletion or correction of all inaccurate items ( 15 U.S.C. 1681i ( a ) & 1681e ( b ) ) 2. Notification to all parties who received the inaccurate information 3. Written confirmation of all corrections within 30 days 4. Full compliance with federal law to ensure accuracy, completeness, and proper verification Failure to correct these inaccuracies will result in formal legal action under FCRA and FDCPA for willful violation, statutory damages, and recovery of attorneys fees. I demand urgent resolution, permanent correction, and written confirmation of all actions taken

Company response to consumer: Closed with non-monetary relief