Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
I am writing to formally dispute multiple inaccurate and harmful items on my credit report and request immediate correction and investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies and furnishers of information are required to report only accurate, complete, and verifiable information. Failure to comply constitutes a violation of federal law and has caused me severe financial distress, emotional hardship, and significant damage to my creditworthiness. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Similarly, this false address has been linked to my credit history. The repeated erroneous reporting of addresses creates an impression of instability and unreliability to lenders, potentially leading to loan denials and higher interest rates. The stress, anxiety, and disruption caused by these repeated errors are significant and entirely preventable. 
Account Issues : XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$310.00} Reported as a late payment. I have consistently made all required payments on time. Despite this, the account shows a late payment which has unfairly damaged my credit score. The reporting agencys failure to investigate and correct this inaccuracy violates 15 U.S.C. 1681s-2 ( b ). Because of this false report, I have been denied better interest rates on other credit products and faced unnecessary stress explaining the error to lenders. 

XXXX XXXX, Opened XX/XX/XXXX, XXXX XXXX {$600.00} Reported as a late payment. I maintain verifiable proof of timely payments. The inaccurate reporting has caused potential lenders to view me as a higher-risk borrower, limiting my ability to access fair financial opportunities. The repeated reporting of such inaccuracies demonstrates negligence and a disregard for the legal requirement to ensure accuracy. 

XXXX  XXXX XXXX XXXX, Opened XX/XX/XXXX, XXXX XXXX {$500.00} Also reported as charge off. This false reporting has caused reputational harm and tangible financial consequences, including higher interest rates and account rejections. The failure to maintain accurate records, verify claims, or correct errors is a violation of federal law and has caused me undue hardship. 
XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, High Credit {$5900.00} Reported as charge off. This inaccurate reporting has created a false perception of financial irresponsibility. The charge off has caused immediate denial of credit applications and increased scrutiny from other lenders. The emotional distress and financial setbacks are real, and the furnisher has failed to follow reasonable procedures to ensure accurate reporting, violating federal law. 

XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX, High Credit {$1600.00} Reported as late payment. I have consistently submitted payments on time. This false late payment has harmed my credit score, reduced my ability to qualify for low-interest loans, and caused unnecessary stress in managing my finances. The furnishers failure to verify and correct the record demonstrates negligence under 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ). 

XXXX XXXX, Opened XX/XX/XXXX, XXXX XXXX {$520.00} Reported as late payment. I maintain documentation proving timely payments. This inaccurate reporting has affected my financial reputation, limited my borrowing opportunities, and caused emotional stress. The repeated misreporting highlights a disregard for my rights under federal law. 

XXXX XXXX, Opened XX/XX/XXXX, XXXX XXXX {$1600.00} Reported as late payment. This is inaccurate and damaging. The repeated reporting of this late payment affects my credibility with lenders, creates unnecessary financial obstacles, and causes anxiety about my financial future. Accurate reporting is legally required, and this failure constitutes a violation of federal law. 

XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$300.00} Reported as charge off. This is entirely inaccurate. I have made all required payments on time, and the charge off falsely portrays me as delinquent. This error has caused loan denials, increased interest rates, and unnecessary stress from debt collectors. The reporting demonstrates negligence and violates 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ). 

XXXX XXXX, XXXX. XXXX, Opened XX/XX/XXXX, XXXX XXXX {$600.00} Reported as charge off. This is false. The charge off misrepresents my payment history, negatively affecting my creditworthiness, limiting access to loans, and causing significant stress. XXXX XXXX reporting violates FCRA 1681e ( b ) and 1681i ( a ). 

XXXX XXXX XXXX  XXXX, XX/XX/XXXX Reported as a hard inquiry. I did not authorize this inquiry, and it has negatively impacted my credit score, affecting my ability to obtain fair financing. Unauthorized inquiries are violations of FCRA 1681b. 

XXXX XXXX XXXX  Reported as a hard inquiry. I did not authorize this inquiry. It has adversely affected my credit profile and caused unnecessary stress and difficulty in obtaining new credit. The furnisher failed to ensure compliance with FCRA 1681b.

These repeated inaccuracies, wrongful charge-offs, and unauthorized inquiries violate federal law and have caused substantial financial and emotional harm. I request that all disputed items be immediately investigated, corrected, or removed from my credit report. I further request written confirmation of all corrections and removal of these false entries. I am prepared to pursue all remedies available under federal law, including reporting to the Federal Trade Commission ( FTC ) and potential legal action for damages caused by these violations. 
Please consider this a formal notice and act in compliance with federal law to resolve these disputes immediately.

Company response to consumer: Closed with non-monetary relief