Consumer complaint received 2025-09-22 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 formal complaint and dispute regarding multiple inaccuracies, unauthorized inquiries, and unlawful reporting on my credit report. I demand immediate correction and investigation under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all applicable federal and state consumer protection laws. My rights under 15 U.S.C. 1681i, 1681e ( b ), 604 ( a ), 1692e, and 1692f are being violated. The following items are inaccurate, misleading, and damaging : Incorrect Addresses XXXX XXXX XXXX XXXX, TX XXXX This address has never been my residence. Its reporting on my credit file is false, misleading, and creates confusion for creditors. This inaccuracy has caused me harassment, account verification issues, and potential identity concerns. Under FCRA 1681e ( b ), all reported information must be accurate and complete. The continued reporting of this false address is a violation of federal law and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never resided at this loXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXlation of FCRA XXXX. This false reporting has subjected me to undue scrutiny from creditors and has negatively impacted my financial reputation. 
Inaccurate Account Reporting XXXX  XXXX * * * High Balance : {$470.00}, Date Opened : XX/XX/XXXXXXXX Reported as Charge Off This account is inaccurately reported as a charge-off. The misreporting has caused serious harm to my creditworthiness, resulting in higher interest rates, denial of credit, and emotional distress. According to FCRA 1681i, I have the right to have inaccurate information corrected or deleted. Misreporting a small balance as a charge-off is negligent, violates federal law, and harms consumers like me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00}, Date Opened : XX/XX/XXXX, Reported as Charge Off This account was closed in good standing. Reporting it as a charge-off is false, misleading, and damaging to my financial integrity. Under FCRA 1681e ( b ) and FDCPA 1692e, such misreporting is illegal and constitutes a deceptive practice. The impact on my life has been severe, causing stress, sleepless nights, and financial anxiety. 
XXXX XXXX XXXX * * * High Balance : {$3100.00}, Date Opened : XX/XX/XXXXXXXX Reported as Charge Off I dispute the validity of this charge-off. It is reported inaccurately and is damaging my credit score and ability to access loans. FCRA XXXX requires that unverifiable or inaccurate information must be removed immediately. This reporting has disrupted my ability to secure housing and financial stability. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$440.00}, Date Opened : XX/XX/XXXX, Reported as Late Payment This account has been misreported and does not reflect my actual payment behavior. Late payments that are inaccurate violate FCRA 1681i and 1681s-2 ( b ). Such reporting has caused undue stress, harmed my credit reputation, and limited my access to essential financial services. 
XXXXXXXX XXXX XXXX High Balance : {$720.00}, Date Opened : XX/XX/XXXX, Reported as Late Payment This late payment is inaccurately reported. I have consistently met my obligations, and this false report is causing damage to my creditworthiness, emotional distress, and unnecessary harassment. Under FCRA 1681i, all information must be accurate and verifiable. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$200.00}, Date Opened : XX/XX/XXXX, Reported as Charge Off This account is inaccurately reported as a charge-off. Reporting a small balance as charged off is misleading, harmful, and violates FCRA 1681e ( b ) and FDCPA 1692e. This misreporting has caused financial denial, increased anxiety, and disrupted my financial plans. 
XXXX XXXXXXXX XXXX High Balance : {$190.00}, Date Opened : XX/XX/XXXX, Reported as Late Payment This account is inaccurately reported. The false information has caused me harassment, sleepless nights, and financial anxiety. Reporting agencies have a legal obligation under FCRA 1681e ( b ) to ensure accuracy before publication. 
XXXX XXXX XXXX XXXX High Balance : {$700.00}, Date Opened : XX/XX/XXXX, Reported as Collection This collection is inaccurately reported. I have no verified account history justifying this collection, and its presence violates FCRA 1681i and FDCPA 1692e. This false reporting is damaging my ability to secure credit and employment opportunities. 
XXXX XXXX XXXX XXXX High Balance : {$420.00}, Date Opened : XX/XX/XXXX, Reported as Collection This reporting is false and misleading. Continued reporting of unverified collection accounts constitutes willful negligence, emotional distress, and financial harm. 
XXXX XXXX XXXX XXXX High Balance : {$250.00}, Date Opened : XX/XX/XXXX, Reported as Collection This account is inaccurately reported as a collection. It has harmed my credit score, caused stress, and violated my consumer rights under FCRA XXXX. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$680.00}, Date Opened : XX/XX/XXXX, Reported as Collection I dispute this collection as inaccurate. Misreporting collections causes financial damage, denial of services, and emotional stress. This violates federal law and must be corrected immediately. 
XXXX XXXX * High Balance : {$180.00}, Date Opened : XX/XX/XXXX, Reported as Collection This collection is inaccurate and misleading. The false reporting has harmed my creditworthiness, caused anxiety, and created undue stress. Under FCRA XXXX ( b ), all information must be accurate and verifiable. Misreporting small debts as collections is negligent, deceptive, and legally actionable. 
XXXX XXXX High Balance : {$1400.00}, Date Opened : XX/XX/XXXX, Reported as Collection I dispute this reporting as it is false, unverifiable, and damaging. This collection negatively impacts my credit, financial stability, and personal well-being. Under FDCPA 1692e, reporting false debts is illegal and constitutes harassment. 
XXXX XXXX XXXX  High Balance : {$4200.00}, Date Opened : XX/XX/XXXXXXXX Reported as Collection This account is inaccurately reported as a collection. Its presence on my credit report has caused severe financial and emotional harm, including denial of housing and credit opportunities. FCRA 1681i requires the immediate correction or deletion of unverifiable accounts. 
XXXX XXXX XXXX  Date : XX/XX/XXXX, Inquiry This inquiry is unauthorized and was never approved by me. Reporting unauthorized inquiries violates FCRA 604 ( a ) and causes financial harm and stress. Immediate removal is demanded. 
These inaccuracies, false charge-offs, and incorrect addresses have caused me significant financial harm, emotional distress, sleepless nights, anxiety, and undue hardship. The law is clear : inaccurate reporting is illegal, and failure to correct or delete these items violates federal law and exposes the reporting agencies to potential legal action and liability. 
These inaccurate collections and unauthorized inquiries have caused me substantial financial harm, sleepless nights, anxiety, harassment, and reputational damage. The law requires that all reported information be accurate, complete, and verifiable. Continued reporting of false collections and unauthorized inquiries is a violation of FCRA 1681i, 1681e ( b ), 604 ( a ), FDCPA 1692e, and exposes reporting agencies and creditors to liability for willful violations.

I demand immediate investigation, correction, and deletion of all listed items. You are legally required to respond within 30 days. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), state regulators, and potential legal action to recover statutory and actual damages

Company response to consumer: Closed with non-monetary relief