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 submitting this formal complaint regarding multiple inaccurate items reported on my credit report that have caused significant financial and personal hardship. I am protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies to ensure all reported information is accurate, complete, and verifiable. I am requesting immediate investigation and correction of these errors. 
Addresses reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at this property. Its inclusion in my credit file may cause collection notices to be sent incorrectly, affect background checks, and impact loan eligibility. Credit reporting agencies are legally obligated under FCRA 1681e ( b ) to ensure the accuracy of personal data. The continued listing of this false address demonstrates a lack of due diligence and has direct negative effects on my financial life. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This XXXX XXXX has no relation to me. Its reporting could lead to misdirected debt collection attempts, falsely implying I have obligations I do not owe. FCRA 1681s-2 ( b ) requires furnishers to correct inaccurate reporting. Failure to comply constitutes willful negligence and exposes me to financial and reputational harm. 
Accounts reported inaccurately : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240000.00} Late Payment This account has been falsely reported as late. I have made all required payments on time. The incorrect reporting has resulted in higher interest rates, loan denials, and damage to my credit score. Such false reporting violates FCRA 1681s-2 ( b ), which obligates furnishers to provide accurate account information. This misreporting is a direct financial injury and demonstrates a failure to maintain proper records. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11.00} Late Payment This account shows a late payment that never occurred. False reporting like this constitutes a violation of FCRA 1681s-2 ( b ) and FDCPA 1692e ( 8 ), as it misrepresents the status of the debt. The negative mark has caused denials of credit and increased borrowing costs, creating unnecessary stress and financial hardship. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00} Late Payment This account is also inaccurately reported. I have maintained a perfect payment history. Reporting false delinquencies violates FCRA 1681i ( a ) and 1681s-2 ( b ), and it has seriously harmed my ability to obtain loans and impacted my personal finances. This negligent reporting is unacceptable under federal law. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$32000.00} Late Payment This account has been falsely reported as late despite my on-time payments. Such inaccuracies violate FCRA 1681s-2 ( b ) and FDCPA 1692e, as the furnisher is misrepresenting my account history. The misreporting has caused financial loss, emotional stress, and harm to my reputation, including incorrect risk assessments by lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} Late Payment This account is falsely marked as late. I have always paid on time, and this inaccurate reporting violates FCRA 1681i requiring correction of false information and FDCPA 1692e, prohibiting misrepresentation of debt status. The impact includes reduced creditworthiness, higher loan costs, and undue stress. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX This account has been incorrectly reported as late. I have fully satisfied all obligations associated with this account. The false reporting has negatively impacted my credit score, created the appearance of delinquency, and may have caused denials or higher rates on credit applications. Under FCRA 1681s-2 ( b ), furnishers must report accurate account information. The continued listing of this false late payment constitutes willful misrepresentation and violates federal law. 
DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} Late Payment XXXX XXXX  This account has been reported inaccurately as late. I have adhered to the agreed-upon payment schedule. The reporting of a false late payment violates FCRA 1681s-2 ( b ) and FDCPA 1692e, and it has caused financial harm, increased interest rates, and potential loan denials. Accurate reporting is legally required, and failure to comply may result in statutory liability. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Late Payment * * This account shows a late payment that never occurred. Reporting false delinquencies violates FCRA 1681s-2 ( b ) and FDCPA 1692e, which prohibits misrepresentation of debt status. This misreporting has directly caused credit harm, potential loan denials, and increased borrowing costs, and constitutes a willful violation of federal law. 
Hard Inquiries reported inaccurately : XXXX XXXX XX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) ( 3 ) requires consent ; reporting without it damages my credit and misrepresents activity. 
XXXX XX/XX/XXXX This inquiry was not authorized. Violates FCRA 604 ( a ) ( 3 ). Impacts my credit score, lending opportunities, and financial reputation. 
XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA 604 ( a ), resulting in potential credit harm. 
XXXX XX/XX/XXXX & XX/XX/XXXX These inquiries were made without my permission. Violates FCRA 604 ( a ) ( 3 ). False inquiries impact my creditworthiness and lending approvals. 
XXXX XX/XX/XXXX Unauthorized hard inquiry. FCRA 604 ( a ) requires consent ; misreporting constitutes credit harm and misrepresentation. 
XXXX XX/XX/XXXX This inquiry was not authorized. Violates FCRA 604 ( a ) ( 3 ) ( A ), falsely implying credit activity and affecting my financial profile. 
These inaccuracies have led to denial of credit opportunities, stress, and financial harm. I request that CFPB intervene to ensure a thorough investigation is conducted, all inaccurate or unverifiable items are corrected or removed, and written confirmation is provided. I also request that all furnishers responsible for reporting these inaccurate items be notified to prevent future violations. 
This matter is urgent. If these errors are not promptly corrected, I will pursue legal remedies under FCRA, FDCPA, and other applicable consumer protection laws, including filing complaints with the FTC.

Company response to consumer: Closed with non-monetary relief