Consumer complaint received 2025-09-29 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:
Dear Sir/Madam, I am submitting this complaint regarding multiple inaccurate items reported on my credit report. I have no knowledge or responsibility for the accounts listed below, and I request that the CFPB investigate these matters in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and take immediate action to correct or delete these entries. 
XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$400.00} Late Payment I have never missed any payments to this account. The reported late payment is false, inaccurate, and damaging to my creditworthiness. This incorrect reporting has caused me considerable XXXX, making it difficult to obtain new credit, affecting my ability to secure housing, and creating a constant fear of financial instability. I have always been diligent with my obligations, and the presence of this erroneous late payment is a direct threat to my financial reputation and personal integrity. 
XXXX XXXX XXXX Account : XXXX Date Opened : XX/XX/XXXX Late Payment I have no knowledge of any late payments on this account. The reporting agencys claim is false and misleading. This inaccuracy has led to repeated denials for credit applications, created XXXX  about my financial future, and required me to spend countless hours attempting to resolve an issue that I did not cause. The XXXX  and inconvenience of being falsely labeled as delinquent have been substantial and continue to impact my daily life. 
XXXX XXXX XXXX XXXX  Account : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Collection I have never been contacted regarding this account. The unverified collection has disrupted my financial planning, caused embarrassment, and created undue pressure in my professional and personal life. Being accused of a debt I do not owe has affected my confidence in managing finances and has led to unnecessary XXXX  as I navigate attempts to correct this error. 
XXXXXXXX XXXX XXXXXXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Collection I have no knowledge of this debt. The reporting of this account has damaged my credit standing, affecting my ability to access loans and favorable interest rates. I have spent time and effort gathering documentation to prove my innocence, which has interfered with my work, personal responsibilities, and peace of mind. This collection is not only false but has tangible negative effects on my life. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX I did not authorize this credit inquiry. Unauthorized inquiries reduce my credit score, interfere with my plans to apply for legitimate credit, and create unnecessary confusion regarding my creditworthiness. The XXXX  of monitoring and disputing these inquiries consumes time and mental energy that could otherwise be used productively. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry was not authorized by me and is therefore invalid. Each unauthorized inquiry adds to my XXXX  and negatively impacts my financial opportunities, making it more difficult to secure loans or favorable credit terms. The repeated presence of such inaccuracies undermines my confidence in the reliability of my credit report. 
I request written confirmation from the CFPB once these corrections or deletions have been completed. Failure to act may force me to pursue further legal remedies.

Company response to consumer: Closed with non-monetary relief