Consumer complaint received 2025-08-05 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:
XXXX Whom It May Concern,XXXX am submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attentionXXXX Reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address is reported incorrectly with a wrong ZIP code and lacks any connection with my personal or financial historyXXXX Aspect: Under the Fair Debt Collection Practices Act (FDCPA) and FCRA, reporting false or inaccurate information is unlawful and can be considered negligent or willful misreporting.XXXX This incorrect information has caused significant confusion across multiple credit inquiries, raising red flags that do not pertain to me. Removing this erroneous data is essential to restore accuracy and fairnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is listed incorrectly and does not belong to me in any capacity.XXXX  Aspect: According to FCRA guidelines, consumers are entitled to dispute information and request a reinvestigation to ensure the integrity of their credit filesXXXX  The wrongful inclusion of unrelated addresses undermines my credit reliability and contributes to an inaccurate borrower profile. Immediate correction following thorough investigation is hereby requestedXXXX Issues and Legal XXXX XXXX XXXX XXXX Date Opened: XXXX Late payments reported inaccurately or without proper notification from the creditor.XXXX  Aspect: FCRA requires that any negative information must be fully substantiated and accurately reported. Unverified late payments violate Section 623 of the FCRA which governs creditor reporting dutiesXXXX My records reflect prompt payments and no notice of delinquencies was ever received. Such inaccuracies unjustly damage my credit score and access to finance.XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX Account is reported as Charge Off incorrectly; I have made arrangements with the creditor which are not reflected.XXXX  Aspect: Charge-offs must be validated and communicated according to FDCPA. Failure to account for payments or arrangements constitutes misreporting.XXXX Creditor confirmed payment plans and no default. The classification as charge off is misleading and harmful, warranting immediate correctionXXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX Incorrectly reported late payments affecting my credit rating.XXXX Aspect: FCRA entitles consumers to have inaccurate information corrected, particularly when late payment claims cannot be substantiatedXXXX  Bank statements and payment history prove timely payments. I demand full removal of erroneous late payment listingsXXXX XXXX XXXX XXXX XXXX Date Opened: XXXX  Late payment report without proper validation.XXXX Aspect: Creditors must provide evidence of delinquency upon dispute, and failure to do so violates FCRA obligationsXXXX I have consistently made payments as agreed; thus this late payment notation is unfair and unfounded.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off reported inaccurately; dispute has been submittedXXXX Aspect: Credit reporting agencies must remove unverifiable information following investigation as per FCRA Section 611XXXX Loan payments were current up to last account update dated; this charge off listing is erroneous and needs immediate removal.XXXX XXXX XXXX XXXX  Date Opened: XXXX  Late payments reported without documentation.XXXX Aspect: FCRA guarantees removal of inaccurate negative entries and requires complete proof of reported delinquenciesXXXX  Payment history does not align with this data; hence correction and expungement are necessaryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off inaccurately reported; account was active with current paymentsXXXX  Aspect: FDCPA requires debt collectors and credit agencies to report accurate and timely information; failure to do so is actionable.XXXX Active payment status confirmed with lender; inaccurate charge off status is damaging and must be rectified.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off notation that contradicts payment records.XXXX Aspect: FCRA mandates validation of charge off procedures upon dispute, ensuring fair treatmentXXXX  Payments duly made; no defaults occurred. I request verification and removal of this wrongful charge XXXX XXXX XXXX XXXX  Date Opened: XXXX Collection account reported inaccuratelyXXXX  Aspect: Collections should not appear without proper validation and notice according to FCRA and FDCPA.XXXX  Debt settled or disputed previously. This erroneous collection listing must be removed timelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off listed inaccurately; account status disputed.\nLegal Aspect: Misreporting impacts consumer's creditworthiness negatively and must be corrected as per FCRA dispute provisionsXXXX  Account was current to last communication. Erroneous charge off status unfairly affects credit profile.XXXX XXXX XXXX XXXX  Date Opened: XXXX Premature collection or reporting errorXXXX  Aspect: Premature or inaccurate reporting undermines consumer rights under FCRA.XXXX Account status does not justify collection; requires reevaluation and correction.XXXX XXXX XXXX XXXX Date Opened: XXXX  Collection account balance disputed and unverifiedXXXX Aspect: Validation of debt required before collection reporting under FDCPAXXXX  No verification provided. Request removal pending investigationXXXX XXXX XXXX  Balance: XXXX  Date Opened: XXXX Account unknown and unrecognized; possibly fraudulentXXXX  Aspect: Identity theft protections require immediate removal of fraudulent or unauthorized accounts.XXXX  This account was never opened or authorized by me, indicating potential identity theft or error. Immediate deletion is essential to protect my credit.XXXX Inquiries and XXXX XXXX XXXX XXXX  Inquiry made without my authorizationXXXX  Aspect: FCRA Section 604 regulates who can access credit reports; unauthorized inquiries must be removed.XXXX  Inquiry was neither solicited nor authorized, damaging my score unjustlyXXXX XXXX XXXX  Multiple unauthorized inquiries.XXXX  Aspect: Repeated unauthorized inquiries may constitute harassment under FCRAXXXX I request removal of these inquiries to prevent further score damage.XXXX XXXX  Unauthorized credit check.\nLegal Aspect: Requires consumer consent per FCRA.XXXX  I deny authorization; please remove.XXXX XXXX errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB's intervention XXXX investigate all inaccurate accounts, addresses, and inquiriesXXXX the furnishers to provide documented proof or delete the itemsXXXX all entities comply with the FCRA and FDCPA.XXXX a written resolution within the legal timeframe.XXXX  you for your time and support in helping protect my consumer rights."

Company response to consumer: Closed with non-monetary relief