Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
I am writing to formally dispute and report multiple serious inaccuracies on my credit report that have caused significant financial and personal harm. These errors include wrong addresses, charge-offs, late payments, collections, and unauthorized inquiries. Each of these entries is factually incorrect or has been reported without proper verification, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) Sections XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I demand immediate correction and removal of all inaccurate information. 
Accounts Dispute XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$6800.00}, Charge Off This charge-off is entirely incorrect. I have never had any obligation on this account. Its reporting has caused my credit score to drop significantly, resulting in higher interest rates on loans I did qualify for and outright denials for necessary financial services. I have contacted XXXX XXXX multiple times to resolve this issue, yet the error remains. Reporting false information violates FCRA Sections XXXX ( b ) and XXXX, which require accurate reporting and timely correction of disputed items. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$24000.00}, Charge Off I never opened or authorized this account. This incorrect charge-off portrays me as a delinquent borrower and has prevented me from accessing essential credit opportunities, including financing for a vehicle and home. I attempted to resolve this directly with XXXX but received no satisfactory response. FCRA Sections XXXX and XXXX ( b ) obligate credit reporting agencies to verify the accuracy of information before reporting, and this duty has been neglected. 
XXXX  XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$1300.00}, Charge Off I have no connection to this account. The reporting of this charge-off is erroneous and has negatively affected my credit profile, increasing the cost of credit and causing lenders to view me as high-risk. I discovered this during a routine credit check and immediately filed disputes with the credit bureau, but no correction has been made. FCRA Sections XXXX, XXXX, and XXXX require complete, accurate, and verified reporting, which has been ignored. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$740.00}, Charge Off This account has been falsely reported as a charge-off. I have never owed this debt. The presence of this inaccurate information has led to unjust denials of credit and unnecessary stress, including receiving collection calls and letters for an obligation that does not exist. Such reporting constitutes a violation of FCRA Section XXXX, which obligates credit reporting agencies to conduct a reasonable investigation of disputed items and correct inaccuracies. 
XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX, High Balance : {$980.00}, Late Payment This late payment is reported inaccurately. I have consistently paid my obligations on time, and this entry does not reflect my actual payment history. Its presence has caused unnecessary damage to my credit score, resulting in higher interest rates and denials for financial opportunities I qualified for. I have contacted XXXX XXXX to verify this, but the error remains uncorrected. Reporting false information violates FCRA Sections XXXX ( b ) and XXXX, which require accurate reporting and proper investigation of disputed items. 
XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX, High Balance : {$660.00}, Collection I have never had any obligation to XXXX Funding for this account. Its inclusion as a collection account is completely false and has caused denials for credit cards and personal loans, increased insurance premiums, and unnecessary collection communications. This inaccurate reporting violates FCRA Sections XXXX and XXXX ( b ), which require verification of accounts and removal of unverified or false information. 
XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$520.00}, Collection This collection account is reported in error. I have no connection to this account, yet it appears on my credit report as delinquent. As a result, lenders view me as high-risk, affecting my ability to secure necessary financing. Multiple attempts to resolve this directly with XXXX have failed, demonstrating a lack of reasonable investigation as required under FCRA Section XXXX. 
XXXX XX/XX/XXXX, XXXX This XXXX  inquiry was not authorized by me. Unauthorized inquiries can lower my credit score and indicate potential fraudulent activity. According to FCRA XXXX XXXX, inquiries must be authorized by the consumer, and any unauthorized inquiry must be removed immediately. 
XXXX XX/XX/XXXX, XXXX I did not authorize this inquiry. It is incorrectly appearing on my credit report, impacting my creditworthiness and lending opportunities. FCRA Section XXXX protects me from unauthorized inquiries, and this violation must be corrected. 
XXXX XX/XX/XXXX, XXXX This inquiry was made without my consent and is a violation of my consumer rights. Its presence negatively affects my credit score and creates unnecessary risk of identity confusion or fraud. FCRA XXXX XXXX obligates the reporting agency to remove any inquiry not authorized by the consumer. 
These inaccuracies have caused measurable financial harm, stress, and repeated obstacles to accessing credit. Reporting false, unverified, or unauthorized information violates my rights under the FCRA and continues to impact my credit profile. I request that the CFPB direct all credit reporting agencies to immediately investigate, remove, or correct all disputed items and provide written confirmation of these corrections. 
I reserve the right to pursue statutory damages and legal remedies under FCRA Sections XXXX and XXXX if these violations continue. XXXX attention is required to prevent further financial and personal harm. 
Thank you for your urgent attention and resolution of these matters.

Company response to consumer: Closed with non-monetary relief