Consumer complaint received 2025-09-04 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 under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 regarding numerous inaccuracies and unauthorized activities on my credit report that are materially harming my financial standing XXXX XXXX XXXX XXXX XXXX, TX XXXX This duplicate address has been reported erroneously. Duplicate or incorrect addresses can lead to misapplied negative account histories, delayed credit decisions, and undue XXXX. FCRA Sections 602 and 611 mandate that all reported information must be accurate and complete. Immediate correction and confirmation are requested. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$410.00} Issue : Late Payment I have never missed a payment on this account. Despite my consistent and timely payments, this account has been inaccurately reported as late. This false information has already caused increased XXXX, inquiries from potential lenders, and impacts my creditworthiness. Under FCRA Sections 602, 609, and 611, it is illegal to report inaccurate or unverifiable information. I demand immediate reinvestigation, deletion of this false late payment, and written confirmation. This repeated misreporting is not only damaging my credit profile but also constitutes negligent and deceptive reporting by the furnisher. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$290.00} Issue : Late Payment I have always maintained timely payments on this account. This incorrect reporting has led to higher insurance premiums, denied credit applications, and emotional XXXX. Under FCRA Section XXXX ( a ) ( XXXX ), any disputed information must be investigated and corrected if found inaccurate. Reporting false late payments is a direct violation of federal consumer protection law. I demand immediate correction, removal of the false report, and documentation that this correction has been made. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Issue : Charge Off This account is a duplicate of previous accounts and is inaccurately reported. Misreporting duplicates is a violation of FCRA Sections 602, 611, and 623, which protect consumers from false, incomplete, or misleading credit data. This false reporting has caused unnecessary financial XXXX  and hindered my ability to access credit. Immediate correction and written confirmation are required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Issue : Late Payment This late payment is false. I have consistently paid on time, and the report is damaging my credit score. FCRA Sections 602, 609, and 611 require accurate and verifiable information. The false report has caused repeated credit denials, XXXX, and unnecessary financial strain. Immediate removal and verification are requested. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Issue : Charge Off This account was paid or settled, yet it continues to be reported as charged off. This constitutes a violation of FCRA Sections 602, 609, 611, and 623, which require accurate reporting and proper verification before any adverse information is reported. The false charge off has caused undue financial harm, including denied loans and higher interest rates. I demand immediate removal and written confirmation. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$230.00} Issue : Charge Off I dispute this debt entirely. The reporting of this account without proper validation violates FCRA Sections 609 and 611. False charge offs are damaging my financial reputation, causing XXXX, and obstructing my ability to obtain credit. Immediate investigation and removal are required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} Issue : Charge Off Duplicate and inaccurate reporting of this account has inflated my perceived debt and led to credit denials, higher interest rates, and unnecessary XXXX. FCRA Sections 602, 609, 611, and 623 prohibit reporting unverifiable, inaccurate, or duplicate accounts. I request immediate reinvestigation and correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} Issue : Charge Off Misreporting and duplication of this account violate federal law, specifically FCRA Sections 602, 609, 611, and 623. The incorrect report has negatively impacted my ability to obtain housing, refinance loans, and secure credit lines. Immediate deletion or correction is demanded, along with written confirmation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Charge Off Reporting a zero-balance account as a charge off is false and misleading. This constitutes a violation of FCRA Section 623 ( a ) ( 5 ) and has caused denial of new credit, unnecessary XXXX, and financial harm. I request immediate removal and documentation of correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Charge Off Reporting a zero-balance account as a charge off is completely false and misleading. This inaccurate reporting has caused repeated denial of credit applications, increased interest rates, and significant XXXX. I have maintained responsible financial behavior throughout, yet this false reporting suggests negligence on the part of the furnisher. FCRA Section 623 ( a ) ( 5 ) mandates that only accurate, complete, and verifiable information be reported. The continued listing of this false charge off constitutes unfair, deceptive, and abusive practices. Immediate removal and written confirmation are requested. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment This account has been falsely reported as late. I have consistently paid all obligations on time. The false reporting has already affected my credit score, caused difficulties in obtaining loans, and generated undue emotional XXXX. FCRA Sections 602, 609, and 611 require accurate and verifiable reporting, and any disputed item must be reinvestigated promptly. The continued reporting of this false late payment is damaging and unlawful. Immediate correction and documentation are demanded. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Duplicate reporting of the same account as late is misleading, inflates my total debt falsely, and creates confusion with potential lenders. Reporting duplicate or unverifiable information violates FCRA Sections 602, 611, and 623. The false report has resulted in unnecessary financial XXXX, denial of credit, and difficulty in refinancing my accounts. Immediate deletion and written confirmation are requested. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$860.00} Issue : Charge Off This account was paid/settled, yet continues to be reported as charged off. This false report has resulted in repeated credit denials, higher interest rates, and significant emotional XXXX. FCRA Sections 602, 609, 611, and 623 prohibit reporting inaccurate, unverifiable, or misleading information. I demand immediate correction or removal and written confirmation that the record has been updated accurately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} Issue : Late Payment Reporting a late payment inaccurately has caused direct financial harm, including inability to refinance loans and denial of credit. FCRA Sections 602, 609, and 611 mandate that any disputed information be investigated and corrected if inaccurate. The continued misreporting demonstrates negligence and failure to comply with federal law. Immediate correction is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Reporting a late payment on a XXXX balance account without verification is false and harmful. This has affected my credit profile, caused XXXX, and hindered access to financial opportunities. FCRA Sections 609 and 611 require validation and reinvestigation of disputed accounts. I demand immediate removal and documentation of correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Issue : Charge Off Reporting a charge off inaccurately violates FCRA Sections 609 and 611. The false report has harmed my ability to secure loans, damaged my financial reputation, and created unnecessary XXXX. Immediate correction or removal is required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Issue : Charge Off Duplicate reporting of this account inflates my total debt and misrepresents my creditworthiness. FCRA Sections 602, 611, and 623 prohibit such false or misleading reporting. Immediate investigation, removal of duplicates, and written confirmation are requested. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment I dispute this late payment entirely. False reporting violates FCRA Sections 609 and 611, and it has caused undue financial and emotional XXXX, affecting my ability to obtain credit. Immediate removal and confirmation are required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Issue : Charge Off Inaccurate reporting of this account as charged off has caused repeated credit denials, increased interest rates, and significant XXXX. FCRA Sections 602, 609, 611, and 623 mandate accurate, verifiable reporting. Immediate correction and written confirmation are demanded. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Issue : Charge Off * * This account has been inaccurately reported as a charge off. I have never received proper validation, notice, or documentation supporting this reporting. The false charge off has caused repeated credit denials, higher interest rates, and has severely impacted my ability to refinance loans. I have always maintained responsible financial behavior, and this misreporting not only misrepresents my creditworthiness but also constitutes negligent reporting under FCRA Sections 602, 609, 611, and 623. The XXXX  and financial disruption caused by this false report have been substantial, affecting my personal and professional life. Immediate correction or removal is required. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$860.00} Issue : Collection * * This account is inaccurately reported as a collection. I dispute the validity of this debt, as I have never received proper documentation. Reporting unverifiable or false collections violates FCRA Sections 602, 609, and 611. The false report has caused undue XXXX, prevented me from obtaining new credit, and led to higher interest rates on existing accounts. The emotional and financial toll of this reporting has been significant, and I demand immediate reinvestigation and deletion of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Issue : Collection * * Duplicate reporting of the same account is misleading and inflates my total perceived debt. This inaccurate information has caused loan denials, increased premiums, and undue XXXX. FCRA Sections 602, 611, and 623 prohibit duplicate and inaccurate reporting. The repeated misrepresentation of my financial obligations has disrupted my financial planning and caused severe emotional XXXX. Immediate correction and written confirmation are required. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Issue : Collection * * This account has been reported without proper validation, which is false and misleading. Reporting unverifiable debts violates FCRA Sections 609 and 611. This false collection has harmed my credit score, affected my ability to secure loans, and caused emotional XXXX. The reporting of this account is negligent, misleading, and harmful, and must be removed immediately. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Issue : Collection * * This account has been inaccurately reported as a collection. The false reporting is causing repeated denials for credit applications, XXXX, and potential financial loss. FCRA Sections 602, 609, and 611 require accurate and verifiable information. Misreporting this account represents negligent and misleading practices that are harmful to consumers. Immediate correction and written confirmation are demanded. 
UNKNOWN ACCOUNT XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Issue : Collection * * This account is reported without verification or documentation. Reporting unverified or false accounts violates FCRA Sections 602, 609, and 611. The inaccurate entry has caused financial hardship, disrupted my credit profile, and resulted in undue XXXX. I demand immediate removal or correction, along with written confirmation of the outcome. 
XXXX XXXX XX/XX/XXXX Issue : Inquiry This hard inquiry was made without my explicit consent and appears to be unauthorized. FCRA Sections 604 ( a ) ( 3 ) and 605 ( a ) require proper authorization for credit inquiries. Unauthorized inquiries can negatively impact my credit score, affect future credit applications, and cause undue XXXX. Immediate investigation and removal of unauthorized inquiries are requested. 
XXXX XXXX XX/XX/XXXX Issue : Inquiry This inquiry appears to have been made without proper consent or authorization. Unauthorized hard inquiries violate FCRA Sections 604 ( a ) ( 3 ) and 605 ( a ), which require express permission. These inquiries have harmed my credit profile and caused financial XXXX. Immediate removal and confirmation are demanded.

The repeated reporting of incorrect addresses and unauthorized inquiries has resulted in denied credit, inflated interest rates, and a negative impact on my overall financial health. I demand immediate investigation, removal of all inaccuracies, and written confirmation of resolution within the 30-day timeframe mandated by FCRA 611 ( a ) ( 1 ) I also reserve the right to seek all legal remedies available under FCRA and related consumer protection statutes if these issues are not fully corrected I expect urgent action on this matter and require a full resolution to prevent ongoing harm to my credit and personal finances

Company response to consumer: Closed with non-monetary relief