Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint to dispute numerous inaccuracies on my credit report that have caused extreme financial harm, emotional distress, and unwarranted damage to my creditworthiness. Despite repeated attempts to correct these issues with the reporting agencies and creditors, these inaccuracies persist, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I demand immediate correction of all errors. 
XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX The reporting of this incorrect address has caused financial institutions to question my legitimacy and has delayed access to essential financial services, including loans and credit cards. These repeated errors violate FCRA requirements and directly impact my creditworthiness and personal financial planning, causing stress, wasted resources, and lost opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The misreporting of this address has contributed to identity confusion, unnecessary credit inquiries, and undue financial scrutiny. It violates FCRA obligations to report accurate information and has caused significant personal inconvenience, financial disruption, and emotional stress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, XXXX XXXX : {$950.00} False late payments reported on this account have directly reduced my credit score, increased my loan interest rates, and led to denied credit applications. This misreporting misrepresents my financial behavior and reliability to lenders. Under 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information. This violation has tangible impacts, including financial loss, emotional stress, and reputational damage, and is actionable under FCRA 1681n and 1681o. 
XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance Owed : {$0.00} Reporting late payments on a zero-balance account is blatantly inaccurate. This misrepresentation has caused denials of new credit lines and mortgage applications, forced me to spend significant time and effort disputing false information, and caused undue stress. Such reporting violates FCRA 1681s-2 ( a ) and exposes the furnisher to liability for willful or negligent noncompliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance Owed : {$18000.00} Inaccurate late payment reporting on this account distorts my long-term credit history. Lenders perceive me as unreliable due to these errors, causing higher loan interest rates, denial of credit lines, and challenges in securing housing. The repeated reporting constitutes willful violation of FCRA XXXX and demonstrates disregard for my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance Owed : {$45000.00} Misreported late payments on this older account imply long-term irresponsibility. I have been denied auto loans and mortgage opportunities as a result, creating financial stress and personal hardship. Reporting false late payments violates FCRA 1681s-2 ( a ) and exposes the furnisher to penalties and damages under 1681n and 1681o. 
Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were conducted without my authorization, violating FCRA 1681b. Unauthorized inquiries reduce credit scores, trigger adverse credit decisions, and create emotional and financial stress. I have had applications denied and been charged higher rates due to these improper inquiries. Such willful violations are actionable under FCRA 1681n and 1681o, entitling me to statutory and actual damages.

Impact Statement : The cumulative effect of these inaccuracies has caused severe financial and personal harm. I have been denied loans, charged higher interest rates, blocked from credit opportunities, and subjected to identity verification issues, wasted time, and emotional distress. Each misreported address, false late payment, and unauthorized inquiry violates federal law and perpetuates ongoing harm. The systematic nature of these violations indicates negligence or willful noncompliance by both furnishers and reporting agencies. 
I demand immediate correction of all inaccuracies listed above, including deletion of incorrect addresses, correction or removal of false late payments, and removal of unauthorized inquiries. I request written acknowledgment of this complaint and documentation of all actions taken to resolve these violations. Failure to act will leave me with no choice but to pursue further legal remedies, including claims for damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief