Consumer complaint received 2025-09-01 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws are being violated. The credit bureaus and furnishers have failed in their duty to ensure maximum possible accuracy of my credit report under FCRA 602 ( A ), 607 ( B ), and 611, and they have also allowed unverifiable and outdated information to remain. These errors have caused me significant harm, including damage to my creditworthiness, emotional distress, and denial of financial opportunities. I am demanding that these inaccurate items be removed immediately after proper reinvestigation as required by law. 

Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX This address is not associated with me and should not appear in my credit file. Its inclusion is misleading and violates my right under FCRA 609 ( a ) ( 1 ) to accurate personal identifying information. I have never resided at this address, and any account activity linked here is fraudulent or incorrect. Please delete this address from my file. 

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address is also inaccurate and not associated with me. Reporting incorrect addresses can mislead lenders and creditors, affecting my ability to obtain credit. Under FCRA 611, I am requesting reinvestigation and removal of this address immediately.

First Round Credit Dispute Letter To Whom It May Concern, I am writing to dispute the accuracy of the following accounts on my credit report under the Fair Credit Reporting Act ( FCRA ). I have reviewed my records thoroughly and assert that these items are inaccurate, misleading, or unverifiable. Please reinvestigate each account and provide written confirmation of corrections or deletions. I am exercising my rights under 15 U.S.C. 1681i to have these accounts reinvestigated and corrected promptly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Chargeoff * * : This account was inaccurately reported as a charge-off. I had a payment arrangement in place, and my records show timely payments during the relevant period. Reporting this as a charge-off without verification is misleading and violates my rights under FCRA XXXX XXXX b ). The inaccurate reporting has caused significant harm to my creditworthiness and potential lending opportunities. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$990.00} Late Payment * * : This late payment is incorrectly reported. My account statements show on-time payments for the periods in question. Reporting an unverified late payment misrepresents my credit behavior and is a violation of FCRA 1681i ( a ). The negative impact of this inaccurate report has caused undue stress and potential denial of credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * : This account has been closed with XXXX balance, yet it appears as a charge-off. This is an inaccurate reflection of my payment history. Under FCRA 1681i, I request a complete reinvestigation to ensure accurate reporting. The erroneous charge-off affects my ability to access credit responsibly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Chargeoff * * : I dispute this charge-off as it was reported without proper validation. My records indicate payments were made and communications regarding account status were ignored in reporting. Reporting without verification violates FCRA 1681s-2 ( b ) and has negatively impacted my credit reliability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$980.00} Late Payment * * : The reported late payment is inaccurate. Documentation of timely payments exists, and the failure to verify this account before reporting violates FCRA XXXX ( a ). This erroneous entry damages my credit profile and misleads lenders. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$660.00} Chargeoff * * : The charge-off on this account is incorrect. Payment history shows proper adherence to terms, and the reporting is unverified, constituting a violation of FCRA 1681e ( b ). I request immediate reinvestigation and correction. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Chargeoff * * : This account was reported as a charge-off without sufficient validation. My statements show active payment compliance. Such unverified reporting harms my credit reputation and violates FCRA 1681i. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Chargeoff * * : This charge-off is reported inaccurately. My payment records contradict the reported delinquency. Reporting without verification is noncompliant with FCRA 1681e ( b ). I request deletion or correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * : This account shows XXXX balance but is reported as a charge-off. Misrepresentation of account status is harmful and violates FCRA 1681i. Reinvestigation is required. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * : This late payment is inaccurately reported. My payment history supports on-time payment. FCRA 1681i requires reinvestigation of unverified accounts. Correction is requested. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * : No late payments occurred on this account. Reporting without verification is inaccurate and violates FCRA 1681e ( b ). I request immediate correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * : This account has a XXXX balance and was closed properly. The reported charge-off is incorrect. FCRA XXXX requires proper verification before reporting. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * ( all duplicates ) : These late payments are inaccurate. My repayment records demonstrate timely payments and compliance with federal student loan terms. Reporting errors violate FCRA 1681e ( b ) and cause undue harm to my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * : No late payments were made, yet this account is reported incorrectly. Under FCRA 1681i, reinvestigation is mandatory. 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX Date Opened : Various Balance Owed : {$0.00} Late Payment * * : These student loan accounts have been reported with late payments despite documented timely payments. Misreporting violates FCRA 1681e ( b ) and impacts credit access. Correction or deletion is requested. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * : Reported late payment is inaccurate. Payment history confirms no delinquency. Under FCRA 1681i, reinvestigation is required. 

U S DEPT OF EDXXXX XXXX Date Opened : Various Balance Owed : {$0.00} Chargeoff * * : These accounts were closed properly and fully paid. Reporting charge-offs is inaccurate and violates FCRA 1681i. I request deletion of these false entries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * : This account is inaccurately reported as a charge-off. XXXX balance confirms no default. Immediate reinvestigation is requested under FCRA 1681i. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * : No late payments exist. Misreporting violates FCRA 1681e ( b ). Correction is demanded. 

XXXX XXXX XXXX XXXX, XXXX, XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : Various Chargeoff * * : These accounts were inaccurately reported as charge-offs. Proper verification was not conducted, violating FCRA 1681i and 1681e ( b ). Reinvestigation and deletion are requested. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Chargeoff * * : This charge-off is unverified and inaccurate. Payment history contradicts reporting. FCRA 1681i requires reinvestigation. 

XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00} Chargeoff * * : Reported charge-off is inaccurate. No default occurred, and reporting without verification violates FCRA 1681i. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} Collection * * : This collection is inaccurate. Payment records confirm no delinquency. Reporting without verification violates FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$990.00} Collection * * : This collection account is inaccurately reported. Documentation proves payment compliance. Immediate reinvestigation is required under FCRA 1681i. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection * * : This collection is unverified and incorrect. My records demonstrate timely payment. Reporting violations breach FCRA 1681e ( b ). Reinvestigation and correction are requested. 

Inquiries XXXX XXXX XX/XX/XXXX Unauthorized inquiry. I did not authorize this request. Reporting violates FCRA 604, which requires permissible purpose. Delete if unverifiable. 

XXXX XX/XX/XXXX Unauthorized inquiry. FCRA 604 requires authorization. Delete if unverifiable. 

XXXX XX/XX/XXXX Unauthorized inquiry. Reporting false ; delete unless verification provided. 

XXXX XX/XX/XXXX Unauthorized inquiry. Delete if unverifiable under FCRA 604. 

XXXX XX/XX/XXXX Unauthorized inquiry. Reporting violates FCRA 604 ; delete if unverifiable. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take enforcement action and ensure these violations of the Fair Credit Reporting Act are corrected immediately. The presence of these wrong addresses, inaccurate late payments, an unverifiable charge-off, and unauthorized inquiries violates my rights under FCRA 602 ( A ), 607 ( B ), 611, 623, and 604. I demand a full reinvestigation of each item and the permanent deletion of unverifiable or inaccurate information. If these violations are not corrected, I am prepared to escalate further with legal action.

Company response to consumer: Closed with non-monetary relief