Consumer complaint received 2025-08-23 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 submitting this formal complaint to dispute multiple inaccurate and unauthorized hard inquiries on my credit report. These inquiries have caused significant harm to my financial standing, lowered my credit score, and misrepresented my creditworthiness. Reporting unauthorized inquiries violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( a ) ( 3 ), which requires express authorization for credit checks, and represents negligence on the part of the reporting agencies. I demand immediate investigation, verification, and removal of all unauthorized inquiries listed below. 
XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA Section 609 ( a ) ( 1 ) guarantees my right to verification of reported addresses.

Story : This address has never been my residence. Its appearance on my credit file has led to multiple failed identity verifications, loan denials, and undue stress. Creditors have contacted me about activities and accounts that are not mine, causing unnecessary confusion and potential exposure to fraud. This repeated reporting of false residence demonstrates negligence by the reporting agency and compromises my financial integrity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 1681e ( b ) ensures accurate information in credit reporting.

Story : This incorrect address has been reported multiple times, causing confusion with lenders and collections agencies. I have had to provide proof of my actual residence repeatedly. These inaccuracies create a chain of complications affecting loan approvals, housing applications, and identity verification processes. This demonstrates gross negligence on the part of reporting agencies. 
XXXX  XXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) obligates furnishers to report only accurate information.

Story : My payments on this account were made on time. Despite proof of timely payments via bank statements, this account is marked as late. This misreporting has resulted in denials of credit applications and negatively impacted my credit score. Reporting false delinquencies constitutes a violation of my rights and federal law, and has caused financial loss, reputational harm, and mental distress. 
XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : Even though my account balance was settled, late payments are falsely reported. This misrepresentation directly affects my ability to secure loans at reasonable interest rates. It demonstrates a clear disregard for federal accuracy requirements and has forced me to spend hours correcting records and proving compliance. 
XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : Target/TD incorrectly lists multiple late payments despite my timely payment history. This reporting has caused multiple loan applications to be rejected, increased interest rates, and prolonged financial planning. Each false report compounds the damage to my credit and misleads potential lenders. 
XXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Law : FCRA 1681s-2 ( b ), FDCPA 1692e ( 8 ) prohibits reporting false information.

Story : This account was fully paid and settled as per agreement. Reporting it as charge-off is false, unjustified, and has significantly damaged my credit profile. It has affected my ability to secure new credit, caused repeated inquiries by lenders, and created undue stress and hardship. 
XXXX XXXX XXXX * High Balance : {$5000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) requires furnishers to report accurate and verified information.

Story : Despite paying this account on time according to my records, it is incorrectly reported as late. This false reporting has caused repeated credit denials, higher interest rates, and undue stress in financial planning. Each time a lender reviews my credit report, this inaccuracy casts doubt on my reliability as a borrower. It has forced me to spend significant time gathering proof and communicating with multiple agencies. Such misreporting is not just negligent but legally actionable, as it fails to maintain the required accuracy and transparency mandated under federal law. 
XXXX XXXX XXXX * High Balance : {$5500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : This account also shows late payments despite my consistent on-time payment history. The repeated misreporting of this account has caused material harm, including higher loan interest rates and unnecessary scrutiny by lenders. The inaccurate information has led to financial opportunities being denied and has added considerable emotional and logistical stress. This persistent error demonstrates a pattern of negligence by the reporting agency and directly violates my rights under federal consumer protection laws. 
XXXX XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : This account was fully current at all times. The false late payment record has caused confusion with lenders and financial institutions, delaying approvals for loans and increasing my borrowing costs. I have had to repeatedly provide documentation to prove my compliance. These inaccuracies not only undermine my financial reputation but also represent a clear breach of federal reporting obligations. 
XXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : Payments for this account were always timely. Yet it is reported as delinquent, impacting my creditworthiness and access to fair financial opportunities. This repeated reporting of false late payments demonstrates negligence and a disregard for federal law, causing both financial and emotional harm. Multiple lenders have questioned my reliability based solely on this inaccurate entry, creating ongoing stress and material loss. 
XXXX  XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : All payments on this account were made according to schedule, yet it is falsely reported as late. This misreporting has resulted in loan rejections, increased interest rates, and confusion with creditors. I have faced undue stress, time loss, and financial harm because of this error. Such reporting is negligent and constitutes a clear violation of my rights under federal law. 
XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : This account reflects late payments inaccurately. Documentation proves that I maintained full payment compliance. This incorrect reporting has negatively impacted my credit history, created repeated obstacles with lenders, and caused unnecessary emotional and financial stress. The continued presence of this inaccuracy is unacceptable and legally actionable. 
XXXX XXXX High Balance : {$410.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Law : FCRA 1681s-2 ( b ), FDCPA 1692e ( 8 ) prohibits reporting false information.

Story : This account was fully paid or in active resolution, yet it is reported as charged off. The false charge-off has caused serious damage to my credit profile, delayed legitimate credit opportunities, and created undue stress. I have had to repeatedly provide proof of payment and settlement to creditors and agencies. Such reporting is legally impermissible and has resulted in tangible financial harm. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : I have maintained timely payments, yet this account is falsely reported as late. This misrepresentation has led to loan rejections, increased interest costs, and significant personal stress. The persistent reporting of inaccurate information constitutes a violation of federal law and has affected my ability to manage my financial obligations responsibly. 
XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : Payments were fully on time. This false late payment record has caused confusion, reduced creditworthiness, and unnecessary stress. Each lender who reviews my report relies on this incorrect data, causing material financial harm. The reporting agency has neglected its legal obligation to maintain accurate information. 
XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : This account was consistently paid on schedule, yet late payments are reported falsely. The misinformation has negatively affected my ability to secure loans, increased my borrowing costs, and caused repeated financial hardships. Such reporting is negligent, misleading, and constitutes a violation of federal consumer protection laws. 
XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : Payments were always made on time, yet this account shows delinquencies. The repeated false reporting has led to credit denials, miscommunication with lenders, and undue stress. This represents gross negligence and failure to adhere to federal standards for accurate credit reporting. 
XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : My payments were timely. The false late reporting has negatively affected my credit score, created unnecessary challenges with lenders, and caused repeated financial losses. The reporting agency has violated federal law by failing to ensure accuracy and fairness. 
XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : Timely payments were made, yet late payments are inaccurately reported. This misreporting has caused undue financial stress, multiple loan rejections, and has harmed my financial reputation. Continued reporting of false information is legally impermissible and must be corrected immediately. 
XXXX XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 1692e ( 8 ) prohibits reporting false or unverifiable information to credit bureaus.

Story : This collection account is inaccurately reported. I have no record of delinquency corresponding to this account. Its appearance on my credit report has caused multiple loan denials, confusion with creditors, and undue stress. The repeated reliance on unverified information demonstrates negligence and has materially harmed my financial reputation. I request immediate verification and correction. 
XXXX XXXX High Balance : {$5800.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 1692e, FCRA 1681s-2 ( b ) Story : This account was never delinquent. The reporting of this collection account has led to increased interest rates, multiple credit denials, and unnecessary inquiries into my creditworthiness. Each time a lender sees this account, it misrepresents my financial responsibility and creates tangible harm. I demand proper investigation and removal of this inaccurate entry. 
XXXX  XXXX High Balance : {$8300.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 1692e ( 8 ), FCRA 1681s-2 ( b ) Story : This account is falsely reported as a collection. I have documentation proving payments and no delinquency. The erroneous reporting has caused lenders to question my reliability, delayed legitimate credit applications, and imposed financial and emotional burdens. Such misreporting violates federal law and must be corrected immediately. 
XXXX XXXX High Balance : {$9500.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 1692e ( 8 ), FCRA 1681s-2 ( b ) Story : This account is inaccurate and unverified. Reporting it as a collection misleads creditors and negatively impacts my credit score. I have suffered financial loss, repeated loan denials, and unnecessary stress due to this false reporting. Immediate correction is legally required under FCRA and FDCPA. 
XXXX XXXX XXXX High Balance : {$210.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 1692e, FCRA 1681s-2 ( b ) Story : This account is falsely listed as a collection. I have no delinquency history corresponding to this account. The reporting has affected my credit score, caused repeated rejections for credit opportunities, and created undue financial and emotional burden. Legal action may be pursued if correction is not made. 
XXXX XXXX XXXXXX/XX/XXXX Issue : Duplicate Unauthorized Hard Inquiry Law : FCRA 1681b, 1681i Story : The duplicate inquiry is unauthorized, unfair, and misleading. It compounds the negative impact on my credit profile and misleads lenders regarding my credit behavior. Removal is demanded. 
XXXX XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( a ) ( 3 ) Story : Conducted without my consent, this inquiry has negatively impacted my creditworthiness, delayed financial approvals, and created unnecessary stress. Legal correction is required. 
XXXX XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law : FCRA 1681b Story : This inquiry was unauthorized and harms my credit profile. It has caused delays and increased scrutiny by lenders, resulting in financial and emotional burden. 
I demand that all the above unauthorized inquiries be investigated, verified, and removed immediately. Reporting unauthorized inquiries violates federal law, and I will escalate this complaint to the CFPB and pursue all legal remedies under FCRA if these inaccuracies are not corrected promptly. Accurate reporting is my legal right, and any failure to comply will be considered deliberate negligence.

Company response to consumer: Closed with explanation