Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am submitting this formal complaint to dispute multiple inaccuracies, unauthorized activities, and misreporting on my credit report that have caused me significant financial, personal, and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all credit reporting agencies and furnishers are legally required to report complete and accurate information. The violations listed below have materially harmed my financial standing, misrepresented my creditworthiness, and exposed me to risks of identity theft and fraud. Immediate correction and investigation are demanded. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address reported on my credit report Impact : This address has never been associated with me. Its presence on my credit report has led to misdirected communications, potential exposure of my private financial information, and confusion with third parties verifying my identity. Under FCRA 1681i, I have the right to dispute and remove inaccurate personal information. Failure to correct this error could lead to fraudulent activity attributed to me, as well as complications when applying for loans, mortgages, or other financial instruments. The incorrect reporting demonstrates negligence by the reporting agency and creates an ongoing risk of identity misuse. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/2025 Issue : Late Payment reported inaccurately Impact : This reported late payment is false. I have consistently made timely payments as per my account agreement. FCRA 1681s-2 requires furnishers to report accurate information ; misreporting a late payment is a direct violation. This false entry has damaged my credit score, restricted access to credit, and caused undue stress and frustration. I have lost opportunities for favorable loan terms and face increased financial scrutiny due to this erroneous reporting. Immediate deletion of this inaccurate late payment is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$0.00} Date Opened : XX/XX/2025 Issue : Late Payment inaccurately reported Impact : No late payment has ever occurred on this account. Reporting a late payment when none exists is a violation of my rights under FCRA XXXX. This misrepresentation is harming my credit reputation, making lenders question my reliability, and creating unnecessary anxiety. It also sets a precedent that could allow further inaccurate reporting if not corrected. I request immediate investigation and correction to prevent continued damage. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Unauthorized Hard Inquiries Impact : Each of these hard inquiries was performed without my authorization. FCRA 604 ( a ) requires consumer consent for any credit inquiry. These inquiries negatively impact my credit score and suggest potential misuse of my personal information. Unauthorized inquiries create a misleading impression of my credit-seeking behavior, affect my ability to obtain loans, and could indicate attempts at identity theft. The repeated presence of these inquiries, spanning multiple financial institutions, shows a pattern of negligence or deliberate misuse by these entities. Immediate removal and confirmation of deletion are required to restore the integrity of my credit report. Each inquiry above represents a violation of my legal rights and must be addressed individually to prevent ongoing harm.

I demand a thorough investigation, deletion of unverifiable and inaccurate information, and written confirmation that all corrections have been made. FCRA 1681i mandates resolution within 30 days. The persistence of these errors is causing substantial financial and emotional harm, including difficulty obtaining credit, misrepresentation of my payment history, and exposure to identity theft. The reporting agencies and furnishers must comply fully with FCRA requirements to prevent further damage.

Company response to consumer: Closed with non-monetary relief