Consumer complaint received 2025-08-30 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: LA

Complaint narrative:
To Whom It May Concern I am submitting this formal dispute regarding multiple inaccurate collection accounts and unauthorized hard inquiries appearing on my credit report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other federal consumer protection laws. I demand an immediate and thorough investigation, verification of each item, and correction or deletion of all inaccurate information. These false entries have caused significant financial, emotional, and reputational harm, including denial of credit, increased interest rates, and undue stress.

XXXX XXXX XXXX, XXXX, TX XXXX Issue : Incorrectly reported as my residence.Law : FCRA 1681e ( b ) CRAs must ensure maximum possible accuracy.Story : I have never lived at this address. Its presence on my credit report has caused lenders to assume fraudulent or unauthorized activity. I have had multiple mortgage and credit applications delayed while banks investigated this false address. This misrepresentation has caused undue stress, unnecessary communications, and loss of financial opportunities. The incorrect reporting misleads creditors into thinking I am unreliable or possibly involved in identity fraud, harming my reputation. 
XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Issue : Not associated with me.Law : FCRA 1681i CRAs must conduct proper investigations of disputed items.Story : Reporting this false address has led lenders to question my stability, delay approvals, and increase scrutiny for legitimate financial transactions. The presence of this inaccurate address creates a false narrative of residence inconsistency, impacting my ability to obtain timely loans and even rental housing. The stress of repeatedly explaining that this is not my address has caused personal XXXX  and wasted countless hours dealing with lenders and collection agencies. 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : Falsely listed as my residence.Law : FCRA 1681s-2 ( b ) furnishers must report only verified, accurate information.Story : Lenders and creditors have assumed suspicious activity due to this false address. I have been repeatedly contacted by collection agencies and loan officers regarding accounts that are not mine. This misreporting gives an appearance of identity inconsistency, reduces my creditworthiness, and has led to higher interest rates and denial of loans that I am qualified for. 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : Never resided here ; falsely reported.Law : FCRA 1681i ( a ) ( 1 ) ( A ) CRAs must investigate disputes promptly.Story : This incorrect address has generated misdirected mail and inquiries from multiple lenders and collection agencies. I have faced repeated questioning regarding residency verification for legitimate accounts. These errors are time-consuming, stressful, and directly affect my ability to maintain stable financial management. The repeated presence of this false information creates an ongoing burden of proving my identity and residence history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Misreported address.Law : FCRA 1681e ( b ) CRAs must ensure maximum accuracy.Story : This incorrect address has caused fraudulent mail to appear in my name and led to mistaken association with accounts I do not own. This misreporting has negatively impacted my interactions with creditors, increased the risk of identity theft, and resulted in repeated administrative burdens to clarify the inaccuracy. The false association also creates a negative impression of my credit reliability among potential lenders. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Incorrectly associated with me.Law : FDCPA 809 ( b ) debt collectors must validate all information.Story : The appearance of this false address misleads debt collectors and lenders, suggesting ownership or verification of accounts that I do not recognize. I have received multiple letters, phone calls, and emails demanding verification or payment for accounts that are not mine. This has caused significant stress, wasted time, and potential legal exposure due to falsely implied debt. 
XXXX XXXX XXXX, XXXX, TX XXXX Issue : Falsely reported.Law : FCRA 1681e ( b ) reporting must be accurate.Story : This misreported address has led to repeated inquiries from lenders, delaying loan approvals. It also creates a false history of residence inconsistency, which lenders often interpret as a sign of financial instability or potential fraud. The burden of constantly explaining the inaccuracy is emotionally draining and time-consuming. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Not related to me.Law : FCRA 1681i ( a ) CRAs must correct disputed items promptly.Story : Misreporting this address inflates my residence history inaccurately, causing confusion when lenders attempt to verify my identity. This has led to denials of new credit, increased scrutiny, and repeated follow-ups to clarify the error. The stress and wasted time have caused financial strain and hindered my ability to manage my finances effectively. 
XXXX XXXX XXXX, XXXX, TX XXXX Issue : Falsely reported.Law : FCRA 1681s-2 ( b ) furnishers must provide accurate information.Story : Lenders have interpreted this incorrect address as inconsistency in my residence history. This has led to unnecessary delays in loan processing, increased interest rates, and repeated verification requests. The false listing damages my reputation and credit reliability. 
XXXX XXXX XXXXXXXX High Balance {$240000.00}, Opened XX/XX/XXXX Issue : Reported late payments inaccurately.Law : FCRA 1681i ( a ), 1681s-2 ( b ) verification required for accurate reporting.Story : These inaccurate late payments have led to higher interest rates and denial of mortgage refinancing. Despite my consistent payment history, lenders have interpreted this erroneous reporting as evidence of financial irresponsibility. The misreporting has caused financial losses, stress, and significant frustration in attempting to resolve these errors. 
XXXX XXXX XXXX XXXX High Balance {$56000.00}, Opened XX/XX/XXXXXXXX  Issue : Incorrect late payment reporting.Law : FCRA 1681s-2 ( b ) furnishers must provide accurate data.Story : Misreported late payments have delayed access to credit and caused lenders to question my reliability. I have had to spend significant time providing documentation to prove accurate payment history. This false reporting has directly impacted my financial planning and caused unnecessary XXXX. 
XXXX XXXX XXXX XXXX High Balance {$33000.00}, Opened XX/XX/XXXXXXXX  Issue : Falsely reported as charge-off.Law : FCRA 1681s-2 ( b ) must be accurate and verifiable.Story : The false charge-off has created obstacles in accessing new credit, misled lenders, and generated undue collection communications. This reporting has affected my creditworthiness and caused unnecessary personal and financial hardship. 
XXXX XXXX XXXX XXXX XXXX Balance {$49000.00}, Opened XX/XX/XXXX Issue : Inaccurate late payments.Law : FCRA 1681i ( a ), 1681s-2 ( b ) verification required for accuracy.Story : Misreported late payments have affected my student loan standing, led to potential overpayment, and caused difficulties in qualifying for repayment plans. The false reporting has generated stress and unnecessary administrative burdens. 
XXXX XXXX XXXX XXXX High Balance {$37000.00}, Opened XX/XX/XXXX Issue : Inaccurate late payment reporting.Law : FCRA 1681i ( a ), 1681s-2 ( b ) furnishers must verify all reported information.Story : These inaccurate late payments have caused lenders to deny credit, question my reliability, and require extensive documentation to correct. The false reporting has caused unnecessary stress, emotional distress, and financial obstacles. 
XXXXXXXX XXXX XXXX XXXXXXXX High Balance {$1900.00}, Opened XX/XX/XXXXXXXX  Issue : Falsely reported collection account.Law : FCRA 1681i ( a ), 1681s-2 ( b ) furnishers must provide accurate, verifiable information.Story : This account is not mine and I dispute its validity in its entirety. Reporting this collection without proper validation has caused repeated collection calls, mail, and inquiries from lenders questioning my credit reliability. The false reporting has led to denial of credit applications, unnecessary stress, and misrepresentation of my financial responsibility. 
XXXX XXXX XXXXXXXX High Balance {$370.00}, Opened XX/XX/XXXXXXXX  Issue : Incorrect collection account.Law : FCRA 1681e ( b ) maximum possible accuracy required.Story : This account is inaccurately listed as a collection. I have never been responsible for this debt. The reporting has caused lenders to view my credit history as delinquent, resulting in denied loans, higher interest rates, and repeated stressful communications demanding payment for a debt I do not owe. 
XXXX XXXX XXXX High Balance {$5400.00}, Opened XX/XX/XXXXXXXX  Issue : Falsely reported collection.Law : FDCPA 809 ( b ) debt collectors must validate accounts before reporting.Story : I dispute the validity of this account. Reporting it without verification misleads creditors and creates false impressions of financial irresponsibility. This has caused undue XXXX, disrupted my credit applications, and damaged my reputation with legitimate lenders. 
XXXX XXXX XXXX High Balance {$460.00}, Opened XX/XX/XXXX Issue : Incorrect collection reporting.Law : FCRA 1681i ( a ), 1681s-2 ( b ) CRAs and furnishers must investigate disputes and provide verifiable documentation.Story : This collection is not valid. The reporting has led to repeated calls and emails from collection agencies, misinformed lenders, and undue stress. It has affected my ability to secure new credit and caused reputational damage regarding my payment reliability. 
XXXX XXXX XXXX XXXX Issue : Unauthorized hard inquiry.Law : FCRA 604 ( a ) inquiries must have permissible purpose.Story : I did not authorize this inquiry. Unauthorized reporting harms my credit score and suggests potential misuse of my personal information, creating unnecessary scrutiny from future lenders. 
XXXX XXXX XXXX XXXX Issue : Unauthorized hard inquiry.Law : FCRA 604 ( a ) .Story : I dispute this inquiry. Lenders assume I requested credit, impacting my creditworthiness, and creating unnecessary administrative burdens to dispute and clarify. 
XXXXXXXX XXXX XXXX XXXX XXXX Issue : Unauthorized hard inquiry.Law : FCRA 604 ( a ) .Story : I never authorized this inquiry. Its appearance misleads lenders about my credit activity, reduces my score, and causes undue stress. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry.Law : FCRA 604 ( a ) .Story : Reporting without my consent falsely suggests new credit applications, harming my credit profile and creating confusion with lenders. 
XXXX XXXX Inquiry XX/XX/XXXX Issue : Unauthorized hard inquiry.Law : FCRA 604 ( a ) .Story : I dispute this inquiry. Its reporting has caused lenders to misinterpret my credit activity, resulting in unnecessary scrutiny and delays in obtaining credit. 
XXXXXXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Issue : Unauthorized hard inquiry.Law : FCRA 604 ( a ) .Story : Reporting without authorization misrepresents my financial intentions, harms my credit score, and impacts my ability to secure favorable lending terms. 
These inaccurate collections and unauthorized inquiries have caused financial harm, emotional distress, reputational damage, and denial of credit opportunities. I demand an immediate investigation, correction, or deletion, with written confirmation of all actions taken in compliance with federal law.

Company response to consumer: Closed with non-monetary relief