Consumer complaint received 2025-09-05 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 writing to file a formal complaint regarding several inaccurate and harmful items being reported on my credit reports. These errors not only violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), but they also cause significant distress to my financial stability and personal life. The law requires that all furnished information be accurate, verifiable, and reported with the maximum possible accuracy under FCRA 602 and 623, yet the accounts listed below contain false or misleading information that directly harms me. I respectfully request that the Consumer Financial Protection Bureau intervene to ensure my rights are protected. 

I have endured sleepless nights and ongoing financial stress due to these repeated inaccuracies. When companies fail to maintain accurate records or when creditors and collectors report incorrect information, the harm is not limited to numbers on a reportit damages opportunities, access to fair credit, and the dignity of being treated with fairness under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is not mine, and its continued reporting is a violation of FCRA 609, which guarantees the right to accurate personal identifying information. Associating me with an incorrect address places me at risk of mistaken identity and financial liability. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is also inaccurate. The reporting of false personal identifiers is harmful and unlawful, and I demand its immediate deletion under FCRA 605. 

XXXX XXXX XXXX XXXX Late Payment, Balance {$250000.00}, Opened XX/XX/XXXX This account is being reported with late payments that are not accurate. Under FCRA 623, furnishers must provide accurate information. If they can not verify the delinquency with proper documentation, it must be corrected or deleted. 

XXXX XXXX XXXXXXXX Late Payment, Balance {$500.00}, Opened XX/XX/XXXX This account shows late payments that are being reported unfairly. The Fair Credit Reporting Act requires creditors to ensure maximum possible accuracy, and these lates do not reflect my payment history. 

XXXX XXXX XXXX Charge Off, Balance {$350.00}, Opened XX/XX/XXXX This charge-off is inaccurate and unverifiable. Under FDCPA 807, a creditor or collector may not use false representation of a debt. If they can not produce the full payment history and legal validation, this must be removed. 

XXXX XXXX XXXXXXXX XXXX Late Payment, Balance {$380.00}, Opened XX/XX/XXXX Late payments listed here are inaccurate. Reporting false payment history is a direct violation of FCRA obligations, and I demand correction. 

XXXX XXXX XXXX Charge Off, Balance {$550.00}, Opened XX/XX/XXXX This charge-off is not valid. FCRA and FDCPA require validation of such derogatory marks, and I have not received lawful verification. 

XXXX XXXX Late Payment, Balance {$480.00}, Opened XX/XX/XXXX Late payments are inaccurately listed and cause severe damage to my creditworthiness. The law demands accuracy, yet this furnisher fails that duty. 

XXXX XXXX XXXX Charge Off, Balance {$1000.00}, Opened XX/XX/XXXX XXXX XXXX XXXX Charge Off, Balance {$7900.00}, Opened XX/XX/XXXX Both XXXX XXXX accounts are reported as charge-offs without proper validation. FCRA 609 ( a ) grants me the right to see complete and accurate records, which have not been provided. 

XXXX XXXX XXXX Charge Off, Balance {$980.00}, Opened XX/XX/XXXX This charge-off is also disputed as inaccurate and unverifiable. 

XXXX XXXX XXXXXXXX Late Payment, Balance {$2600.00}, Opened XX/XX/XXXX Late payments listed are false. The law requires creditors to report correct data, and this account violates FCRA standards. 

XXXX XXXX XXXX Late Payment, Balance {$580.00}, Opened XX/XX/XXXX The late payment history here is inaccurate. 

XXXX XXXX XXXX Late Payment, Balance {$50000.00}, Opened XX/XX/XXXX This reporting is inaccurate and highly damaging given the size of the balance. Accuracy is required by law and this account fails that requirement. 

XXXX XXXX Late Payment, Balance {$15000.00}, Opened XX/XX/XXXX Late payments are not supported by proper verification, and thus are unlawful. 

XXXX XXXX XXXX XXXX Charge Off, Balance {$1000.00}, Opened XX/XX/XXXX This charge-off is invalid and unverifiable. 

XXXX XXXX XXXX, XXXX, XXXX Late Payments, Balances {$5500.00} / {$7000.00} / {$6300.00} All three student loan accounts are being reported inaccurately with lates. Under the Higher Education Act and FCRA requirements, these inaccuracies must be addressed. 

XXXX XXXX XXXX Late Payment, Balance {$3700.00}, Opened XX/XX/XXXX This accounts late reporting is inaccurate. 

XXXX XXXX XXXX Collection, Balance {$1100.00}, Opened XX/XX/XXXX This collection is reported without proper validation. FDCPA 809 requires validation of debts, which has not been provided. 

XXXX XXXX XXXX XXXXXXXX Collection, Balance {$500.00}, Opened XX/XX/XXXX This reporting is entirely inaccurate and fraudulent, as the date opened is in the future, which is impossible. This proves a clear violation of FCRA accuracy requirements. 

Each one of these accounts represents a direct violation of my consumer rights. Credit reporting agencies and furnishers are bound by law to ensure the maximum possible accuracy of the information they provide, and yet these accounts clearly fail that legal standard. The repeated harm caused by these errors affects my ability to obtain housing, transportation, and fair credit opportunities, which goes against the very purpose of the FCRA to ensure fair and accurate credit reporting. 

I request immediate investigation, validation, and removal of all unverifiable, inaccurate, or fraudulent information. I expect that all parties involved comply with the law within the time limits established under FCRA 611.

Company response to consumer: Closed with non-monetary relief