Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report that have caused severe financial, emotional, and professional harm. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I have the right to dispute inaccurate, misleading, or unverifiable information. Despite my attempts to address these issues, the following items remain unresolved, causing ongoing distress and disruption to my daily life. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Wrong Address This address has never been associated with me. Due to this error, I have missed important communications, including bank statements and lender notifications, causing delays in managing my finances. I experienced embarrassment when a lender called me at work, questioning why correspondence was being sent to an unknown address. The confusion has caused repeated stress, sleepless nights, and frustration while trying to prove my identity. Under FCRA 1681i ( a ) and 1681e ( b ), reporting inaccurate addresses violates my rights and can be construed as negligent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address ( Reported XX/XX/XXXX ) I have never resided at this address. This false listing led to a situation where a debt collector contacted me for an account I never opened. I had to spend hours gathering documents and emails to dispute this, taking time away from my job and family. This caused XXXX emotional distress, and interrupted my ability to focus at work. FCRA 1681c-2 ( a ) mandates maximum accuracy in reporting, yet this false entry continues to disrupt my life and financial planning. 
XXXXXXXX XXXX XXXX XXXX XXXX : {$21000.00} Date Opened : XX/XX/XXXX Late Payment This account incorrectly shows late payment activity. I have records proving timely payments. As a result, I faced higher interest rates, delayed loan approval, and repeated questioning by financial institutions. The stress of gathering evidence to prove my responsibility affected my ability to focus at work, caused XXXX and disrupted my personal life. FCRA 1681s-2 ( b ) obligates accurate reporting, yet this false entry continues to harm me. 
XXXX XXXX High Credit : {$290.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I have experienced stress and embarrassment explaining this discrepancy to potential lenders, delaying approval for essential credit. FCRA 1681i mandates investigation of disputed items. The emotional toll includes frustration, sleepless nights, and a constant worry about being misjudged as financially irresponsible. 
XXXXXXXX XXXX XXXXXXXX High Credit : {$120.00} Date Opened : XX/XX/XXXX Late Payment This entry is inaccurate. Misreporting has caused delays in securing small loans, raised unnecessary questions from financial institutions, and created XXXX about my creditworthiness. FDCPA 1692e prohibits false reporting. I have had to spend hours gathering payment proof, disrupting both professional and personal commitments. The stress and uncertainty are significant and ongoing. 
XXXX XXXX XXXX XXXX High Credit : {$680.00} Date Opened : XX/XX/XXXX Collection This collection account is invalid. I have never owed this debt. Reporting a false collection violates FDCPA 1692e. The consequences include repeated collection calls, emotional distress, sleepless nights, and interference with professional responsibilities. It has caused embarrassment, XXXX and a sense of helplessness while trying to maintain my financial reputation. 
XXXX XXXX High Credit : {$660.00} Date Opened : XX/XX/XXXX Collection This account is erroneously reported as a collection. FCRA 1681i requires proper verification of disputed information. I have been denied personal loans, forced to explain repeated errors to institutions, and experienced ongoing stress. The false reporting has disrupted my financial planning and affected my mental well-being. 
XXXX XXXX XXXX XXXX : {$610.00} Date Opened : XX/XX/XXXX XXXX This collection account is false. Accurate reporting is required under FCRA 1681i. The erroneous listing has already impacted my ability to open new accounts, caused professional embarrassment, and created unnecessary stress while disputing the account with creditors. 
XXXX XXXX XXXX XXXX : {$990.00} Date Opened : XX/XX/XXXX Collection This account is falsely reported as a collection. I have never owed this debt. Due to this error, I received repeated harassing calls and letters, causing emotional distress and XXXX I was forced to spend hours compiling evidence to prove this account was invalid, taking time away from work and family. This misreporting disrupted my ability to secure a personal loan for urgent expenses, delayed important financial decisions, and caused embarrassment when explaining the situation to creditors. FCRA 1681i ( a ) and FDCPA 1692e require accurate reporting, yet this harmful error remains. 
XXXX XXXX XXXX XXXXXXXX High Credit : {$8500.00} Date Opened : XX/XX/XXXX Collection This account is falsely reported as a collection. I have fully satisfied or have no record of this debt. The misreporting delayed mortgage inquiries, caused loan denials, and created persistent emotional stress. The error disrupted professional and personal life, required repeated documentation, and caused embarrassment when explaining my creditworthiness to financial institutions. FCRA 1681i mandates thorough investigation of disputed accounts, which must be acted upon immediately. 
XXXX XXXXXXXX High Credit : {$540.00} Date Opened : XX/XX/XXXX Collection * This collection account is falsely reported. I have no outstanding debt with this creditor. The repeated calls and collection notices caused significant XXXX  and stress, forcing me to spend hours explaining the situation to lenders, family members, and even colleagues who were concerned about my financial responsibility. The emotional toll includes sleepless nights, feelings of helplessness, and a constant worry about being misjudged professionally and socially. Financially, it delayed loan approvals and impacted my ability to pay for essential expenses on time. FCRA 1681i ( a ) and FDCPA 1692e require accurate reporting, yet this false account continues to harm me. 
XXXX XXXX High Credit : {$17000.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is inaccurately reported. I have fully or timely paid this account. Due to this error, I was denied vehicle financing, delaying urgent transportation needs and forcing reliance on public transport, which consumed extra hours daily and added stress. Financial institutions questioned my credibility, affecting professional relationships and opportunities. Emotionally, I experienced embarrassment, frustration, and persistent XXXX, feeling powerless while trying to correct the record. Misreporting violates FCRA 1681s-2 ( b ) and FDCPA 1692e. 
XXXX XXXX XXXX High Credit : {$900.00} Date Opened : XX/XX/XXXX Charge Off This account is falsely reported as a charge-off. I have never defaulted. This error prevented me from securing timely personal loans, caused repeated explanations to lenders, and disrupted my financial planning. Professionally, I had to spend work hours disputing the account, affecting productivity. Emotionally, it caused stress, frustration, and XXXX making it difficult to focus on personal responsibilities. FCRA XXXX requires correction of disputed items, which has not yet occurred. 
XXXX XXXX XXXX High Credit : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account is erroneously reported as a charge-off. I have no outstanding debt with this credit union. As a result, I faced loan denials and extra scrutiny from lenders. Emotional impacts include sleepless nights, panic over delayed applications, and ongoing stress while gathering documentation to dispute the account. Misreporting violates FCRA 1681s-2 ( b ), and the disruption to my daily life has been significant. 
XXXX XXXX High Credit : {$110.00} Date Opened : XX/XX/XXXX Late Payment This late payment is inaccurately reported. I have always paid on time. False reporting delayed approval for urgent small loans, increased interest rates, and caused repeated questioning from financial institutions. The emotional impact includes XXXX stress, and frustration, as well as reduced confidence in my ability to manage finances. FDCPA 1692e prohibits false reporting, and FCRA 1681i requires verification of disputed accounts. 
XXXX XXXX High Credit : {$530.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is falsely reported. I have never defaulted. The misreporting caused denied loans, repeated inquiries, and constant emotional distress. Professionally, I had to explain the situation to potential lenders, colleagues, and even family members. Financially, it delayed payments and disrupted my budgeting. The experience caused stress, XXXX and frustration, impacting both personal and professional life. Misreporting violates FCRA 1681s-2 ( b ) and FDCPA 1692e. 
XXXX XXXX XXXXXXXX High Credit : {$950.00} Date Opened : XX/XX/XXXX Collection This collection is inaccurately reported. I have no obligation with this creditor. The false listing caused repeated calls and letters, delaying loan approvals and causing emotional distress, professional embarrassment, and social XXXX. I had to dedicate hours to proving the account was false, which affected my work and family time. FCRA 1681i mandates correction of unverifiable information, yet this error persists. 
XXXX XXXX XXXX High Credit : {$0.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is incorrectly reported. I have never defaulted. The misreporting caused loan denials, stress, and repeated documentation efforts to prove my financial responsibility. Professionally, I had to spend time away from work addressing this error. Emotionally, it caused XXXX, embarrassment, and ongoing frustration while trying to maintain my creditworthiness. FCRA 1681i requires that disputed items be verified and corrected. 
XXXX XXXX XXXX XXXX High Credit : {$640.00} Date Opened : XX/XX/XXXX Collection This account is falsely reported as a collection. I have no outstanding debt with this creditor. The repeated collection calls, letters, and false reporting caused emotional distress, XXXX, sleepless nights, and constant worry about my credit reputation. Financially, this false collection delayed loan approvals, increased interest rates, and created difficulty securing essential services. Professionally, it disrupted focus at work, as I had to spend hours documenting and disputing this account. Misreporting violates FCRA 1681i ( a ) and FDCPA 1692e. 
XXXX XX/XX/XXXX XXXX This unauthorized hard inquiry negatively impacted my credit score. It caused loan delays, increased stress, and distraction from work and personal obligations. FCRA 604 ( a ) ( 3 ) requires verification that the inquiry was authorized, which has not occurred. 
The cumulative effect of these inaccurate accounts and unauthorized inquiries has been significant financial hardship, repeated stress, emotional distress, and disruption to daily and professional life. I have spent countless hours documenting, disputing, and contacting creditors, yet the errors persist. 
I request that the CFPB investigate all items listed above, ensure that all inaccurate, unverifiable, and unauthorized entries are corrected or removed immediately, and provide written confirmation once the corrections are completed. Failure to address these errors will compel me to pursue all available legal remedies under FCRA and FDCPA, including complaints with federal and state authorities.

Company response to consumer: Closed with non-monetary relief