Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) reflected on my credit report, which are severely impacting my financial and personal well-being. I request an immediate investigation and correction of the following errors. 
Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This incorrect address has appeared repeatedly on my credit reports, creating confusion with banks, credit card issuers, and mortgage lenders. I have never lived, rented, or conducted any transactions at this location. The presence of this false address has resulted in wrongful collections calls and letters, delayed financial applications, and caused undue stress and anxiety. Continued reporting of this address without verification violates FCRA Section 611 ( a ) and undermines the reliability of my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never had any relationship with this address, either as a residence or for business purposes. Its appearance on my credit file has led to calls and correspondence regarding debts that are not mine. I have been forced to spend hours disputing these entries and verifying my identity, causing lost time, stress, and anxiety. The inclusion of this address constitutes a material inaccuracy under FCRA and exposes me to potential identity theft risks. 
Account Issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2000.00} This account is incorrectly reported as a late payment. All payments were made on time, and I have complete documentation proving timely payments. The false late payment has negatively impacted my credit score, delayed mortgage and personal loan approvals, and misrepresented my financial responsibility to lenders. The misreporting has caused significant emotional distress and unnecessary collection inquiries, violating FCRA Section 611 and 623 ( a ) ( 1 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} The reported late payment is entirely inaccurate. I have consistent evidence of on-time payments. The misreporting has caused lenders to perceive me as a high-risk borrower, impacting my ability to access credit, obtain favorable interest rates, and manage my financial planning. This has resulted in significant emotional and financial harm, including anxiety and disruption to my daily life. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$13000.00} This account is falsely reported as a charge off. I have fully complied with all payment schedules. The false charge off has severely harmed my credit profile, making it difficult to obtain loans, secure housing, and access financial services. It has caused repeated stress, inquiries from debt collectors, and the need for extensive time and effort to dispute the claim. This is a violation under FCRA Section 611 ( a ) and exposes me to potential economic and emotional damages. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$200.00} Reported as a collection incorrectly. I do not owe this debt. I have received repeated calls, letters, and emails demanding payment for a debt I do not owe, resulting in stress, emotional distress, and time lost in dispute communications. This false collection entry has harmed my credit score and financial credibility, making lenders question my reliability. 
XXXX XX/XX/XXXX XXXX inquiry incorrectly reported. I did not authorize this inquiry. The false reporting has created unnecessary scrutiny on my credit profile, caused potential denial of credit opportunities, and led to emotional stress and financial inconvenience. 
XXXX XX/XX/XXXX Unauthorized inquiry. I did not consent to this inquiry. Its presence on my credit report misrepresents my credit activity, has caused delays in financial approvals, and created stress due to the need to dispute the inaccuracy. 
XXXX XX/XX/XXXX Reported hard inquiry without authorization. This has resulted in unnecessary credit scrutiny, emotional distress, and confusion with lenders, affecting my ability to access credit efficiently. 
SEC XXXX XX/XX/XXXX Unauthorized inquiry listed. The false reporting has caused confusion, delays in loan approvals, and stress due to repeated disputes required to remove the entry. 
These errors collectively demonstrate a pattern of negligence and noncompliance with federal credit reporting laws. The cumulative impact has caused financial hardship, repeated delays in credit access, emotional stress, wasted time, and exposure to identity theft. I demand immediate investigation, correction, or deletion of all inaccurate information, along with a written confirmation and an updated credit report reflecting these corrections. 
Supporting Laws : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX Sections XXXX, XXXX, XXXX, XXXX Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX protects against false or misleading reporting I am exercising my rights under the FCRA to XXXX inaccurate and misleading information and demand immediate corrective action. Failure to act on this complaint constitutes willful noncompliance with federal law, exposes the reporting agencies to liability, and continues to cause undue financial and emotional harm.

Company response to consumer: Closed with non-monetary relief