Consumer complaint received 2025-08-13 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 filing this complaint regarding multiple inaccuracies, wrongful reporting, and unauthorized inquiries appearing on my credit report. These errors have caused significant damage to my creditworthiness, resulting in stress, financial loss, and potential denial of credit. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request immediate investigation and correction of each item listed below. Each entry includes the account/address/inquiry, the specific issue, applicable law, and a detailed explanation. 
Account Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Chargeoff inaccurately reported Law : FCRA Sections 602, 607, 623 Requires accurate reporting of account status and full disclosure of payment history.

Story : This account has been fully paid, yet it is reported as a chargeoff. Such misrepresentation falsely indicates financial irresponsibility and has caused significant reduction in
my credit score. This erroneous reporting may have affected my ability to obtain loans, credit cards, and favorable interest rates. Despite my efforts to communicate with the creditor, the incorrect status remains. Immediate correction is required to prevent ongoing financial harm and misrepresentation of my financial behavior. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * Issue : Incorrect late payment reported Law : FCRA Section 623 ( a ) ( 1 ) ( A ) Requires accurate reporting of payment history. 
Story : All payments for this account were made on time, yet it is reported as late. This inaccuracy has impacted my creditworthiness and credibility with lenders, creating unwarranted stress and potential denial of new credit applications. Such false reporting violates federal law and negatively impacts my financial standing. Correcting this record is essential to reflect my true payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Issue : Incorrect late payment Law : FCRA Section 611 Requires investigation and correction of disputed information within 30 days.

Story : This account has had all payments made on time. Reporting a late payment falsely depicts financial irresponsibility and has negatively impacted my ability to obtain credit or refinance existing accounts. Correcting this error is vital to prevent further negative consequences on my credit profile. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : False late payment Law : FCRA Section 609 ( a ) ( 1 ), FDCPA Section 807 Story : Timely payments have been made on this account, yet it is reported as late. The erroneous entry harms my credit score, reduces my eligibility for credit, and may lead to unnecessary collection actions. Correcting this entry is required to restore the accuracy and reliability of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00} * * Issue : Incorrect chargeoff Law : FCRA Sections 607, 623 ; FDCPA Section 809 ( b ) Story : This account has been partially paid, yet it is reported as a full chargeoff. Misreporting this information inaccurately portrays my financial responsibility and may influence lenders to deny credit or charge higher interest rates. Immediate correction is essential to prevent ongoing financial harm and misrepresentation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} & {$100.00} * * Issue : Incorrect collections Law : FCRA Section 623 ; FDCPA Section 809 ( b ) Story : These accounts are inaccurately reported as collections. Misreporting collection accounts unfairly damages my credit score and misrepresents my financial reliability to lenders. Immediate correction is required. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} * * Issue : Incorrect collection Law : FCRA Sections 602, 607, 623 Story : This account is incorrectly reported as a collection. Such misreporting diminishes my creditworthiness and can lead to denial of credit or loans. Correction is mandatory. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : False late payment Law : FCRA Section 609 ( a ) ( 1 ) Story : No late payment occurred. Reporting as late misrepresents my financial responsibility and harms my creditworthiness. 
Inquiry Disputes All inquiries below were unauthorized or inaccurately reported, violating FCRA Section 604 ( a ) ( 3 ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized or inaccurately reported inquiries Law : FCRA Section 604 ( a ) ( 3 ) Story : Many inquiries were not authorized by me or are duplicates. Unauthorized inquiries artificially lower my credit score, negatively impacting loan approvals and interest rates. Removing these inquiries is legally required and essential to restore the integrity of my credit profile. 
I request that each dispute be fully investigated and corrected as required by federal law. These inaccuracies have caused significant financial harm, stress, and potential denial of credit. I expect timely resolution and confirmation of correction.

Company response to consumer: Closed with non-monetary relief