Consumer complaint received 2025-08-11 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:
I am submitting this formal complaint regarding multiple inaccurate and unverifiable negative items being reported on my credit file, which violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically Sections 1681e ( b ), 1681i, and 1681s-2 ( b ). These violations have caused me severe financial harm, damaged my credit reputation, and hindered my ability to obtain credit. Immediate action is required to investigate and remove these inaccurate records. 
CHARGEOFF  ACCOUNTS XXXX XXXX BANK Account Number XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge-off Issue : Account falsely reported as charged off. 
Law Violated : FCRA 1681s-2 ( b ) ; FDCPA 807 ( 8 ).

Story : This account was never in default. The false charge-off entry caused my score to drop and resulted in the denial of a recent credit card application. Despite sending dispute letters, the furnisher failed to provide documentation or correct the report, showing willful noncompliance XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge-off Issue : Inaccurate charge-off reporting. 
Law Violated : FCRA 1681s-2 ( a ), 1681s-2 ( b ).

Story : I never defaulted on this account, and I suspect identity theft or a mixed file. The furnisher ignored my written validation requests, forcing me to deal with collection harassment and lost financial opportunities. 
XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX High Credit {$1200.00} Charge-off Issue : Account was fully paid, but reported as charged off.

Law Violated : FCRA 1681n Willful noncompliance.

Story : The creditors records are clearly outdated or inaccurate, yet they continue to damage my credit by listing a false charge-off. This has caused unnecessary embarrassment and financial loss. 
XXXX  XXXX  Account Number XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge-off Issue : High credit of {$0.00} contradicts charge-off status. 
Law Violated : FCRA 1681e ( b ).

Story : This nonsensical entry reflects gross negligence in reporting. It is impossible to charge off a {$0.00} balance, making this clearly inaccurate and harmful. 
XXXX  Account Number XXXX Open Date XX/XX/XXXX High Credit {$450.00} Charge-off Issue : Charged-off status without prior notice.

Law Violated : FDCPA 807 ( 10 ) ; FCRA 1681s-2 ( b ).

Story : I was never notified of any delinquency or default. This surprise negative mark caused a denial for a personal loan I urgently needed for medical expenses. 
XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge-off Issue : Impossible charge-off of {$0.00} balance.

Law Violated : FCRA 1681e ( b ).

Story : This clearly inaccurate entry suggests total disregard for accuracy obligations under the law. 
XXXX  XXXX  Account Number XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment Issue : False late payment record.

Law Violated : FCRA 1681e ( b ).

Story : I have never made a late payment to this creditor. This misinformation caused my insurance premiums to rise due to perceived higher financial risk. 
COLLECTION ACCOUNTS XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX High Balance {$2300.00} Collection Issue : Inaccurate and unverified reporting.

Law Violated : FDCPA 809 ( b ) ; FCRA 1681i.

Story : I disputed this account as not mine, yet no proof was provided. Still, the CRA keeps publishing this damaging entry. This false information has triggered higher interest rates from lenders, adding unnecessary financial burden. 
XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX High Balance {$1500.00} Collection Issue : No validation of debt provided despite multiple requests.

Law Violated : FDCPA 809 ( a ) ; FCRA 1681s-2 ( b ).

Story : This account appeared suddenly on my report with no prior contact. The lack of proof makes it impossible for me to confirm its legitimacy, yet the damage to my score is immediate and ongoing. 
XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX High Balance {$800.00} Collection Issue : Duplicate account reporting from same furnisher.

Law Violated : FCRA 1681e ( b ) ; FDCPA 807 ( 2 ) ( A ).

Story : Reporting the same account twice creates a misleading debt load and suggests greater financial delinquency than actually exists. This practice is deceptive and harmful. 
XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX High Balance {$670.00} Collection Issue : Unverified debt ; no proof of original creditor or agreement.

Law Violated : FDCPA 809 ( a ) ; FCRA 1681s-2 ( b ).

Story : Without proper documentation, this entry should not be on my report. Yet it remains, making it harder for me to obtain housing and fair loan terms. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : This inquiry was conducted without my approval or request for credit. 
Law : FCRA 604 ( a ) ( 2 ) and 607 requires strict procedures to ensure inquiries are authorized. 
Story : XXXX XXXX XXXX XXXX has never been approached by me for any loan request on this date. This is a serious violation and a breach of my consumer rights. 
XXXX XX/XX/XXXX Inquiry Issue : I did not authorize XXXX XXXX to review my credit. 
Law : FCRA 604 ( a ) ( 3 ) there was no application or credit transaction initiated by me.

Story : This inquiry appears fraudulent and may indicate misuse of my personal information. 
XXXX XX/XX/XXXX Inquiry Issue : I did not engage with XXXX XXXX for financing or credit, therefore they had no permissible reason to perform a hard pull.

Law : FCRA 604 ( a ) ( 2 ) lack of consumer consent.

Story : I have never interacted with this dealership. The inquiry has negatively impacted my score and reflects improper handling of my private credit data. 
Under the Fair Credit Reporting Act, I am entitled to dispute inaccurate information and have it removed if unverifiable or erroneous. Continued reporting of these inaccurate accounts and addresses constitutes willful noncompliance and I reserve the right to take further legal action, including filing complaints with the Federal Trade Commission ( FTC ), State Attorney General, and pursuing damages in federal court under 15 U.S.C. 1681n.

I request written confirmation from all credit reporting agencies that these items have been removed from my credit file within the statutory 30-day investigation period.

Company response to consumer: Closed with non-monetary relief