Consumer complaint received 2025-09-13 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 formal complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXX ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 16921692p ), and all applicable consumer protection laws. My credit report contains numerous inaccuracies across multiple accounts, unauthorized inquiries, and incorrect addresses, which are severely damaging my creditworthiness, causing financial harm, and misrepresenting my financial behavior. I demand immediate investigation and correction of all items listed below. 
Wrong Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived or conducted financial transactions here. This false address is being used to report inaccurate accounts and is negatively affecting my credit file. Its inclusion may also indicate potential identity theft or fraudulent reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect and fraudulent ; I have no connection to this address. It must be removed to ensure the accuracy of my credit profile. 
Account Disputes : XXXX XXXX XXXX  High Balance : {$240.00} Date Opened : XX/XX/XXXX Late Payment This account is falsely reported as late. I have a perfect record of payments with this creditor. On the due date, my payment was made via automatic transfer and confirmed in my online banking record. After noticing the erroneous late payment report, I contacted the creditor immediately, requested investigation, and was assured that the payment had been received on time. Despite my repeated communication, the credit bureau continues to report this false information. This is a violation of FCRA Section 1681i, which requires accurate reporting and correction of unverified or inaccurate accounts. The inaccurate reporting is damaging my credit score and misrepresenting my financial responsibility. I request immediate deletion or correction of this late payment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2500.00} Date Opened : XX/XX/XXXX Chargeoff This account has been inaccurately reported as charged off. I have maintained regular contact with XXXX XXXX regarding this account and have repeatedly disputed charges that were incorrectly applied. I have account statements, payment receipts, and email correspondence that demonstrate my efforts to resolve any outstanding issues. Despite these efforts, the account continues to be reported as a charge-off, which is false and misleading. This inaccurate reporting is a direct violation of FCRA 1681s-2 ( b ) and FDCPA 1692e, and it severely impacts my creditworthiness. I demand immediate correction or deletion of this account from my credit report. 
XXXX XXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is entirely false. I made all payments on time via automatic debit, with confirmation numbers and receipts available for verification. When the account was reported as late, I immediately contacted XXXX XXXX to dispute the reporting, providing all documentation to prove timely payment. Despite submitting evidence, the bureau continues to report this inaccurate late payment, which constitutes a violation of FCRA 1681s-2 ( b ) and directly harms my credit reputation. I request immediate removal of this inaccurate entry. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$770.00} Date Opened : XX/XX/XXXX Late Payment This late payment is incorrectly reported. I have maintained perfect payment history with XXXX, and all payments were made on or before the due dates. I have confirmation receipts, bank statements, and correspondence proving on-time payments. I contacted the creditor multiple times to dispute this reporting error, but the inaccuracy remains on my credit report. The failure to verify this account before reporting it constitutes a violation of FCRA 1681i. This inaccurate reporting is negatively affecting my credit score and causing financial harm. I demand immediate deletion or correction. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Chargeoff This account has been incorrectly reported as charged off. I have records of all payments and communications showing that this account was in good standing, and the charge-off is either inaccurate or unverified. I have repeatedly disputed this with the creditor and requested validation of the balance, but the reporting continues to reflect a charge-off. This false reporting is a violation of FCRA 1681i, which mandates investigation and correction of inaccurate information. I request deletion or correction immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Chargeoff This account is also inaccurately reported as charged off. I have consistently made payments as agreed, and the creditor failed to report this correctly. I have documentation, including payment receipts and communication records, proving that the account was either current or resolved. The continued reporting of this false charge-off is damaging my credit and violates FCRA 1681s-2 ( b ). Immediate correction or deletion is required. 
XXXX XXXX XXXX XXXX High Balance : {$790.00} Date Opened : XX/XX/XXXX Chargeoff This account is falsely reported as charged off. I have verified payment records showing on-time payments and no valid reason for charge-off reporting. I have contacted the creditor multiple times to dispute this inaccurate entry, providing proof of timely payment. The reporting of this account as a charge-off is misleading, harmful, and violates FCRA 1681i. I demand deletion or correction immediately. 
XXXX BANK XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Chargeoff This account has been incorrectly reported as charged off. I have maintained documentation of all payments and disputes, including correspondence with XXXX Bank disputing the reported charge-off. The inaccurate reporting constitutes a violation of FCRA 1681s-2 ( b ) and directly harms my credit profile. I request immediate investigation and deletion or correction of this false reporting. 
XXXX XXXX XXXX XXXX High Balance : {$8900.00} Date Opened : XX/XX/XXXX Chargeoff This account is inaccurately reported as a charge-off. I have maintained a complete record of payment confirmations, statements, and communications showing that the account was not delinquent as reported. This inaccurate reporting violates FCRA 1681i and misrepresents my financial history. I demand immediate correction or deletion. 
XXXX XXXX XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXX Collection This account has been reported as a collection inaccurately. I have documentation proving either payment or resolution that was not properly reported to the credit bureau. The failure to verify this account before reporting it constitutes a violation of FCRA 1681i and FDCPA 16921692p. I request deletion or correction immediately. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Collection This account has been inaccurately reported as a collection. I have documentation demonstrating either payment or resolution of this account, and the reporting entity failed to verify the accuracy before reporting. This constitutes a violation of FCRA 1681i and FDCPA 16921692p. The reporting is damaging my credit score and misrepresents my financial behavior. I demand deletion or correction immediately. 
XXXX XXXX XXXX High Balance : {$430.00} Date Opened : XX/XX/XXXX Collection This account is falsely reported. I have maintained evidence of timely payment or resolution, and the creditor failed to verify before reporting. The false reporting is harming my creditworthiness and constitutes a violation of FCRA 1681i and FDCPA 16921692p. Immediate deletion is required. 
Hard Inquiries : XXXX XXXXXX/XX/XXXX These inquiries were either unauthorized, inaccurate, or made without my consent. Under FCRA 604 ( a ), inquiries must be authorized by the consumer. I did not authorize these inquiries or was not given proper notice, and therefore request that all unauthorized inquiries be removed from my credit report immediately. 
Each of these errors and inaccuracies is causing significant harm to my creditworthiness, creating undue stress, and limiting my ability to access financial services. The continued reporting of false addresses and inaccurate account information constitutes a violation of FCRA 1681i, 1681c-2, and FDCPA 16921692p.

I request that the CFPB immediately : 1. Investigate and verify all disputed accounts and inquiries.

2. Correct or delete all inaccurate late payments, charge-offs, collections, and unauthorized inquiries.

3. Remove all incorrect addresses from my credit report.

4. Provide written confirmation of all corrections and deletions.

I am prepared to provide all supporting documentation, including bank statements, payment receipts, correspondence with creditors, and proof of identity. Failure to correct these errors will leave me no choice but to pursue all available legal remedies under FCRA, FDCPA, and applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief