Consumer complaint received 2025-08-26 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:
To Whom It May Concern, I am writing this formal dispute and complaint letter regarding several inaccurate, misleading, and unverifiable items being reported on my credit file. These errors are severely damaging my credit profile, preventing me from accessing fair credit opportunities, and causing ongoing financial and emotional harm. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, fair, and fully verifiable reporting. The following items are in direct violation of those protections. 
I respectfully request that you conduct a full reinvestigation of these accounts, inquiries, and addresses, and remove any and all items that can not be 100 % verified with documented evidence. 
XXXX XXXX XXXX High Balance : {$590.00} Date Opened : XX/XX/year> Charge Off Issue : Account is being reported inaccurately as a charge-off. 
Law : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. Additionally, FCRA 609 and 611 require proper verification.

Story : This account is being reported as a charge-off without proper verification or supporting documentation. I dispute this reporting because it presents an unfair and misleading version of my financial history. A charge-off is a serious negative mark that suggests I abandoned my financial responsibility, which is absolutely untrue. By reporting this item without full verification, my rights have been violated. This inaccurate report has already resulted in credit denials, higher costs of borrowing, and significant stress. It feels as though my entire reputation as a consumer is being destroyed by something that can not be verified. 
XXXX XXXX High Balance : {$46000.00} Date Opened : XX/XX/year> Late Payment Issue : Late payment being reported inaccurately. 
Law : FCRA 607 ( b ) requires maximum possible accuracy, and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ) prohibits false or misleading representations of debt status.

Story : This late payment is being reported in a misleading and damaging way. Life events sometimes create unavoidable financial strain, but reporting a single mistake without context does not reflect my full financial history or my ongoing efforts to remain responsible. This unfair reporting makes me appear as though I am unreliable, when in fact I have always made genuine attempts to pay my obligations. The consequences of this misreporting have been devastatinglost opportunities for credit, higher insurance premiums, and emotional stress from being misjudged. Lenders see this and assume the worst, while the reality is far more complex. It is deeply unfair and harmful to my financial future. 
XXXX XXXX XXXX XXXX Inquiry on XX/XX/year> Issue : Inquiry was not authorized by me. 
Law : FCRA 604 prohibits reporting inquiries without consumer consent.

Story : This inquiry is false and misleading. I did not authorize it, nor did I apply for credit with this company on the reported date. Its presence on my report unfairly portrays me as irresponsible. I live with the emotional burden of knowing that lenders are judging me based on inaccurate information, and it creates obstacles every time I try to move forward financially. These inquiries are not harmlessthey lower my score, block opportunities, and cause ongoing hardship. 
Closing Statement These inaccurate addresses, false account statuses, and unauthorized inquiries are clear violations of my rights under the FCRA and related consumer protection laws. They have created a false, damaging image of my financial history, limiting my opportunities, causing emotional distress, and putting my financial stability at risk. I demand that you conduct a full reinvestigation of these items and remove them immediately if they can not be 100 % verified with documented proof. 
Failure to comply will leave me no choice but to escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for enforcement of my rights. 
I expect written confirmation of your reinvestigation and the results within the legally required 30 days under FCRA 611.

Company response to consumer: Closed with explanation