Consumer complaint received 2025-08-28 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 writing to formally dispute multiple inaccuracies and unlawful reporting practices on my credit report. These inaccuracies are causing significant harm to my creditworthiness and financial standing. I am requesting an immediate investigation and correction of all errors as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to Sections 1681i and 1681e ( b ).

The following items are being reported inaccurately on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX Wrong Address This is an incorrect address. Under FCRA Section 609 ( a ), consumers can request verification of data, but this entry can not be validated. Due to this, I have had multiple applications for auto loans and rental properties rejected. Each rejection resulted in additional application fees and wasted time. The psychological burden of being repeatedly questioned about an address I have never lived at has caused stress and fear of identity theft, making daily financial management difficult. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX High Credit : {$34000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payments are inaccurate and violate FCRA Section 611 ( a ) ( 1 ). I have records proving all payments were made on time. These false delinquencies caused my credit score to drop dramatically, leading to higher interest rates for personal loans and increased insurance premiums. I experienced sleepless nights and panic over family expenses, fearing that this false record would prevent me from obtaining essential financial support. I have contacted the creditor multiple times, provided bank statements, and yet the inaccurate reporting remains. 
XXXX XXXXXXXX High Credit : {$500.00} Date Opened : XX/XX/XXXX Late Payment I dispute the alleged late payment. FDCPA Section 809 ( b ) requires debt validation, which was not provided. This false reporting has caused overdraft fees and banking complications, making it difficult to maintain regular monthly bills. The continuous stress and embarrassment have affected my professional interactions, as lenders scrutinize every application with undue suspicion due to this inaccurate report. 
XXXX XXXX XXXX High Credit : {$380.00} Date Opened : XX/XX/XXXX Late Payment This account has been falsely reported as late. The inaccurate reporting violates FCRA Section 623 ( a ) ( 1 ). I have faced loan denials and delays in securing housing because of this erroneous reporting. I spent hours gathering payment confirmations and contacting both the creditor and credit bureaus. The mental toll of dealing with false reporting has caused ongoing anxiety and stress, affecting my overall quality of life. 
XXXX XXXX High Credit : {$2400.00} Date Opened : XX/XX/XXXX Chargeoff This chargeoff is inaccurate and unverified. FCRA Section 611 ( a ) ( 1 ) ( A ) requires verification of disputed accounts. The false chargeoff has severely damaged my credit profile, making it nearly impossible to secure loans or rent an apartment. I have faced rejection after rejection, causing embarrassment and financial instability. I have documented evidence that disputes this claim, yet it continues to be reported inaccurately, causing significant emotional distress and a constant sense of financial insecurity. 
XXXX XXXX XXXX XXXX High Credit : {$2000.00} Date Opened : XX/XX/XXXX Collection I dispute this collection. FDCPA Section 809 ( b ) requires validation before reporting. This erroneous collection has resulted in multiple harassing phone calls and letters from debt collectors. The continuous stress has affected my work performance, emotional well-being, and personal life. I live in constant fear that this debt could lead to unjust legal action. The impact has been humiliating and financially damaging. 
XXXX XXXX High Credit : {$1600.00} Date Opened : XX/XX/XXXX Chargeoff This chargeoff is inaccurate and unverified. FCRA Section 611 ( a ) ( 1 ) ( A ) requires validation of disputed accounts. I have repeatedly contacted the creditor, providing bank statements and payment confirmations showing my account was never delinquent. Despite my efforts, this false entry remains, damaging my credit score and preventing me from obtaining personal loans and housing. Each rejection has caused stress, sleepless nights, and fear about my financial future. The ongoing misreporting has disrupted my ability to plan for my familys needs and maintain financial stability. 
I demand immediate action to correct all inaccurate information, remove any unverifiable accounts, and ensure my credit report reflects only accurate, lawful, and verified information. Failure to investigate and correct these inaccuracies constitutes a willful violation of the FCRA and entitles me to pursue all legal remedies, including reporting to the Federal Trade Commission and initiating legal action if necessary. 
I request written confirmation of the corrections and the timeline for completion. I also request that any entities providing these inaccurate reports be held accountable for violating the FCRA.

Company response to consumer: Closed with non-monetary relief