Consumer complaint received 2025-09-04 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 writing to formally dispute multiple inaccuracies, unfair reporting, and unauthorized hard inquiries on my credit report which have caused me severe financial harm, emotional distress, and wasted time. I request immediate investigation and correction of the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Duplicate entry. Duplicate addresses create a false impression that I maintain multiple residences, misleading creditors and affecting my credit evaluation. This misreporting contributes to inaccurate credit scores and violates FCRA Sections 602 ( a ) and 607 ( b ), which mandate accurate reporting. The duplication forces me to dispute the same error repeatedly, causing unnecessary frustration, wasted time, and emotional distress. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect reporting of residence. I have never lived here. Its reporting exposes me to potential fraudulent activities, misdirected legal notices, and account verification issues. Every time I apply for credit or review my report, this incorrect information causes confusion and anxiety. FCRA Section 602 ( a ) requires maximum possible accuracy, and the persistent misreporting violates this requirement, creating direct negative consequences for my financial stability. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$570.00} Charge Off. This account is inaccurately reported as a charge off despite my efforts to resolve and verify the account status. Being falsely labeled as a charge off has caused higher interest rates, denial of credit applications, and significant stress. According to FCRA Sections 607 ( b ) and 623 ( a ) ( 8 ), furnishers must report accurate account information. The emotional and financial burden of this incorrect reporting is severe, including lost opportunities for credit and damage to my reputation with potential lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$0.00} Charge Off. Reporting a XXXX balance account as a charge off is misleading and inaccurate. It falsely portrays financial irresponsibility and affects my creditworthiness. This error has forced me to spend considerable time disputing and verifying the account, causing anxiety and stress. Under FCRA Section XXXX ( a ) ( XXXX ), this constitutes a violation of federal law and must be corrected immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened:XXXX Balance Owed : {$11000.00} Charge Off. Despite multiple attempts to correct this reporting, the account remains falsely marked as charged off. This has affected my ability to secure loans, caused emotional distress, wasted time, and forced me to repeatedly provide documentation to dispute the account. Reporting inaccurate information violates FCRA Sections 602, 607 ( b ), and 623 ( a ) ( 1 ), and may constitute willful negligence under Section 1681n, giving me legal grounds for action. The stress, time lost, and financial consequences are ongoing and unacceptable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$0.00} Late Payment. Duplicate late payment entries misrepresent my payment history, causing false impressions of financial irresponsibility. These errors have resulted in higher interest rates, rejection of credit applications, and continuous stress. FCRA Section 607  ( b ) mandates accurate reporting, and the duplicates clearly violate federal law. The repeated disputes and monitoring of these errors have been emotionally draining. 
XXXX XXXX XXXX * Date OpenedXXXX Balance Owed : {$0.00} Late Payment. This late payment is inaccurately reported despite timely payments. Repeated reporting of this error has caused financial stress, confusion, and unnecessary anxiety over my creditworthiness. The continued misreporting violates FCRA Sections 607 ( b ) and 611 ( a ) and affects my daily life and financial opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$550.00} Collection. This account has been erroneously reported in collection despite documentation proving the debt is inaccurate. The false reporting has caused collection harassment, anxiety, legal concerns, and tangible financial harm including denied loans and higher interest rates. Reporting inaccurate collections violates FDCPA Section 809 ( b ) and FCRA Sections 607 ( b ) and 611 ( a ). The ongoing emotional and financial consequences are severe, and immediate correction is demanded. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$170.00} Collection. This account is inaccurately reported as being in collection. I have disputed this directly with the creditor, and the reporting remains false. This misreporting has caused undue stress, potential denial of credit, and misrepresentation of my payment history. Reporting inaccurate collections violates FCRA Sections 607 ( b ), 611 ( a ), and FDCPA Section 809 ( b ). The repeated false reporting has resulted in wasted time, emotional distress, and financial consequences, as I have been forced to monitor and dispute this error repeatedly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date OpenedXXXX Balance Owed : {$430.00} Collection. The reporting of this account in collection is inaccurate. I have documentation proving the debt is incorrect, yet it continues to appear as a collection item, causing anxiety and impacting my creditworthiness. FCRA Sections 607 ( b ) and 611 ( a ) require accurate reporting. The ongoing stress, potential higher interest rates, and denial of credit applications directly result from this false reporting. 
XXXX XXXXXXXX XXXX XXXX  Date XXXX Balance Owed : {$770.00} Collection. This account has been erroneously reported as in collection. It affects my ability to obtain loans, causes stress due to potential harassment from collection agencies, and misrepresents my financial responsibility. This false reporting violates FCRA Sections 607 ( b ) and 611 ( a ) and FDCPA Section 809 ( b ). Immediate correction is demanded. 
XXXX XX/XX/XXXX Inquiry. Disputed as unauthorized. Unverified inquiries affect my creditworthiness and potential financial opportunities. FCRA Section 604 ( a ) requires accurate reporting. 
XXXX XX/XX/XXXX Inquiry. Disputed for the same reasons as above : unauthorized and potentially inaccurate. Removal required to prevent continued harm to credit score. 
XXXX XX/XX/XXXX Inquiry. Disputed due to lack of verification and potential unauthorized action. Hard inquiries have tangible financial and emotional consequences. 
XXXX XX/XX/XXXX Inquiry. Disputed as unauthorized or inaccurate. Reporting of unverified inquiries misrepresents my credit activity, affects lending decisions, and violates FCRA Section 604 ( a ). Immediate investigation and removal are required. 
These inaccuracies, duplicate accounts, and unauthorized inquiries constitute clear violations of federal law, including FCRA Sections 602, 604, 607, 609, 611, 623, and FDCPA Section 809. The repeated failure to correct these issues has caused severe emotional distress, financial loss, wasted time, and potential denial of credit. I demand that all erroneous information be investigated, verified, and permanently corrected or removed immediately. I expect written confirmation of the results of this investigation within the legally mandated timeframe. Failure to comply may compel me to pursue legal remedies for damages, emotional distress, and willful non-compliance.

Company response to consumer: Closed with non-monetary relief