Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am writing to demand an immediate investigation into multiple inaccurate entries on my credit report, including collections and unauthorized inquiries, which have caused severe financial, emotional, and reputational harm. These entries are false, misleading, and violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). Despite my repeated efforts to dispute these inaccuracies, they continue to negatively affect my creditworthiness and daily life. 
The impact of these inaccuracies is profound. They have caused loan denials, higher interest rates, undue stress, and have tarnished my financial reputation. These are not minor clerical errorsthey are systemic failures that demand immediate correction. 
Address Disputes : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX Issue : Wrong Address Law : FCRA Section 609 ( a ) ( 1 ) Right to accurate credit information Story : This address has been falsely listed on my credit report. I have never resided here, yet due to this error, I have missed crucial billing statements and notifications. This misreporting has caused confusion with creditors and created a situation where my financial reputation is questioned. The constant barrage of misdirected communications has led to anxiety, sleepless nights, and distrust in the credit reporting system. Despite my repeated efforts to correct this with the reporting agencies, no action has been taken, leaving me vulnerable to identity theft and financial mismanagement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Issue : Wrong Address Law : FCRA Section 1681e ( b ) Duty of furnishers to provide accurate information Story : This address falsely implies I resided in XXXX XXXX. Due to this incorrect listing, I have faced inquiries from creditors questioning my financial history, and my creditworthiness has been unfairly assessed. It is unjust that I face potential financial penalties and scrutiny for a location that has never been associated with me. The emotional toll of dealing with these inaccuracies is severe and ongoing, and I require immediate correction. 
XXXX XXXX, High Balance : {$1000.00}, Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate information Story : I have been wrongly reported as late on this account. I have consistently made my payments on time, yet this misinformation has decreased my credit score, limiting my access to credit and affecting my financial planning. The stress caused by this misreporting has been overwhelming, making me anxious about potential loan denials and interest rate penalties. This violation undermines my rights as a consumer and my trust in the reporting system. 
XXXX XXXX, High Balance : {$590.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681i Right to dispute inaccurate information Story : I did not default on this account, yet it has been reported as a charge-off. This false reporting suggests financial irresponsibility and has already caused my loan applications to be denied. The reputational damage is severe, as lenders assume I have a history of failing to meet financial obligations. This error is not merely a data issueit is a direct attack on my financial stability and credibility. 
XXXX XXXX XXXX, High Balance : {$890.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA Section 1692e Prohibition of false representation Story : The charge-off status is entirely incorrect. This misrepresentation has led to unwarranted collection calls, emotional distress, and disrupted my peace of mind. The reporting agencys failure to verify accurate data has imposed undue stress on my personal and professional life. 
XXXX XXXX XXXX XXXXXXXX, High Balance : {$1600.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681s-2 ( b ) Obligation to correct inaccurate reporting Story : I have never defaulted on this account, yet the reported charge-off implies financial irresponsibility. This misinformation has prevented me from obtaining favorable lending options and has forced me to explain inaccurate credit history to potential lenders repeatedly. The impact is not only financial but deeply personal, affecting my confidence and peace of mind. 
XXXX XXXX XXXX, High Balance : {$320.00}, Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) Accurate reporting required Story : This account has been falsely reported as late. The misreporting has hindered my ability to obtain loans and increases interest rates on any credit I am able to access. The repeated stress of disputing these inaccuracies affects my mental health, and I demand immediate correction. 
XXXX XXXX, High Balance : {$1700.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681i Right to dispute Story : The charge-off is false and negatively impacts my creditworthiness. The continuous incorrect reporting creates obstacles in securing housing and loans, and each inquiry into my credit is tainted by this false information. The repeated effort to correct this error has caused undue stress and frustration. 
XXXX XXXX XXXX, High Balance : {$10000.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA Section 1692f Prohibition of unfair collection practices Story : Reporting this account as charged-off constitutes unfair collection practices. I have been contacted by multiple collection agencies despite having no delinquency. The persistent reporting of false information has created stress, anxiety, and disruption in my life. 
XXXX XXXX XXXX High Balance : {$260.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FDCPA Section 1692e Prohibition of false representation Story : The reporting of this account as a charge-off is entirely incorrect. I have maintained proper financial responsibility, and this false entry misrepresents my credit behavior. The impact is severe, limiting access to fair lending options and creating undue anxiety over my financial reputation. 
XXXX XXXX XXXX High Balance : {$380.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off Law : FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) Duty to provide accurate information Story : I have never defaulted on this account, yet the credit report lists it as a charge-off. This misinformation directly affects my creditworthiness and creates unnecessary stress, as it implies irresponsibility I have not committed. The repeated errors reflect systemic negligence on the part of the reporting agency. 
XXXX XXXX XXXX XXXX, High Balance : {$3700.00}, Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA Section 1692f Prohibition of unfair collection practices Story : I dispute this collection account as I have no outstanding debt or have fully settled any obligations. Despite this, I continue to receive collection notices, causing stress, anxiety, and reputational harm. Such reporting violates my rights and demonstrates negligence in verifying account accuracy. 
XXXX XXXX, High Balance : {$380.00}, Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA Section 1692e Prohibition of false representation Story : I have no obligation on this account, yet it is being reported as a collection. The repeated errors have caused anxiety and disrupted my financial planning, as well as negatively impacting my creditworthiness. 
XXXX XXXX XXXX XXXX, High Balance : {$260.00}, Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA Section 1681i Requirement to investigate disputes Story : I dispute this collection entirely. It is falsely reported, and the continued listing creates unwarranted financial and emotional strain. The reporting agencies have failed to verify this account properly. 
XXXX  XXXX, High Balance : {$1600.00}, Date Opened : XX/XX/XXXX & XX/XX/XXXX Issue : Collection ( XXXX duplicate entries ) Law : FCRA Section 1681i Right to reinvestigation and removal of duplicates Story : These duplicate entries are entirely inaccurate. Reporting multiple collections for the same account amplifies the negative impact on my credit score and misleads potential lenders. This repeated misreporting causes unnecessary stress and complicates my financial life, making it difficult to access credit and manage my personal finances. XXXX XXXX  XXXX, High Balance : {$380.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$900.00}, Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA Section 1692e Prohibition of false representations Story : I have no obligation on this account, yet it has been reported as a collection. This misreporting has caused undue stress, repeated inquiries from lenders, and financial harm. The reporting agencys failure to verify the debt constitutes a violation of federal law and consumer rights. 
Unauthorized Inquiries Disputes : FACTUAL DATA, XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Requirement of permissible purpose Story : These multiple inquiries were performed without my authorization, creating a false perception of credit-seeking behavior. This has negatively impacted my credit score and caused me stress, as it suggests activity that I did not engage in. 
XXXX, XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Must have permissible purpose Story : I did not authorize this inquiry. The false reporting of inquiries impacts my credit profile, suggesting activity I did not initiate and causing undue stress and inconvenience. 

Conclusion : The inaccurate reporting of these collections and unauthorized inquiries has caused severe financial and emotional harm. I request the CFPB to immediately investigate, ensure these entries are corrected or removed, and hold the reporting agencies accountable under FCRA and FDCPA provisions. Continued misreporting misrepresents my creditworthiness, causes undue stress, and obstructs fair access to financial services.

Company response to consumer: Closed with explanation