Consumer complaint received 2025-10-24 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 complaint regarding multiple inaccurate, unverifiable, and unauthorized items on my credit report that have severely impacted my creditworthiness and personal financial reputation. Despite my efforts to correct these errors directly with the credit reporting agencies, the inaccurate information remains. 
Wrong Addresses Reported : XXXX XXXX, XXXX, TX XXXX This address does not belong to me and should be deleted immediately as it falsely associates me with a location I have never resided at. 
XXXX XXXX XXXX, XXXX, TX XXXX This is also not my residence, and its presence creates confusion and potential identity risk. Please remove this incorrect address from my file. 
Disputed Accounts & Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance : {$0.00} This account is being reported as a charge-off, which is completely inaccurate. I have no record, knowledge, or verification of any such account or alleged delinquency. This entry violates FCRA 611 and must be deleted as unverifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance : {$160.00} This alleged account is not recognized by me. I never had any financial dealings with XXXX XXXX XXXX . This appears to be a fraudulent or misattributed account, and I am requesting its permanent deletion as required under FCRA 605B and 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance : {$1000.00} I have no knowledge or relationship with this creditor. No documentation has ever been provided to validate this claim. Under FCRA 611 and 609 ( a ) ( 1 ) ( A ), I am demanding full verification or deletion of this entry. 
XXXXDOFED Acct : XXXXXXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$1200.00} The reported late payment is false. I have always maintained timely payments on my federal student loan obligations. The servicer has misreported my payment history, violating the accuracy standards required under FCRA 607 ( b ). Please correct this immediately to show all payments as on time. 
XXXXDOFED Acct : XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$3900.00} This account is inaccurately marked with late payments. I have documentation proving consistent payment activity. This misinformation must be corrected immediately under FCRA 611 ( a ) ( 5 ). 
XXXXDOFED Acct : XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$3100.00} This entry reflects false delinquencies. I never made any late payments for this loan. Please correct the reporting and update it to reflect perfect payment history. 
XXXXDOFED Acct : XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$3800.00} XXXX dispute this entry because the alleged late payment never occurred. Reporting inaccurate payment history directly violates FCRA 607 ( b ) and 611. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance : {$0.00} This charge-off is completely inaccurate. I have never defaulted on any account with this institution. It must be deleted immediately as unverifiable and false. 
XXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$0.00} This report of a late payment is false and damaging. My payments were always made on time. Please correct this immediately to reflect accurate history. 
XXXXDOFED Acct : XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$1700.00} This late payment record is wrong. I have consistently met all financial obligations. Please correct this reporting immediately. 
XXXXDOFED Acct : XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$4900.00} This record contains false payment data. I am demanding correction under FCRA 611 to reflect accurate and timely payments. 
XXXX XXXX XXXX Acct : XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$0.00} This account shows a false late payment notation. I never missed or delayed any payments with this institution. The report must be corrected to show perfect payment history. 
XXXX XXXX XXXX Acct : XXXX Late Payment Date Opened : XX/XX/XXXX | Balance : {$270.00} This account shows a false late payment. I have always made on-time payments. This misinformation must be corrected immediately to reflect a positive payment history under FCRA 607 ( b ). 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance : {$92.00} This charge-off entry is completely inaccurate. I have no knowledge of this account, nor did I ever default on any payment with XXXX. This is either misattributed or unverifiable, and I am requesting its immediate deletion under FCRA 611 ( a ) ( 5 ). 
XXXX XXXX Acct : XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$0.00} This account falsely reports a late payment even though I have never missed or delayed any payment. This reporting error must be corrected immediately to maintain accuracy and fairness under FCRA 607 ( b ). 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  Collection * * Date Opened : XX/XX/XXXX | Balance : {$3000.00} This is not my account. I have no records or communications confirming any debt with XXXX XXXX XXXX. This entry is unverifiable and should be deleted immediately under FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$1000.00} This late payment report is inaccurate. I never made any late payments to this institution. Please update the record to reflect accurate, on-time payment history. 
XXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX Collection * * Date Opened : XX/XX/XXXX | Balance : {$2200.00} This entry is inaccurate and unverifiable. I have no contract, statement, or correspondence confirming this alleged debt. Delete immediately under FCRA 611 ( a ). 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX  Collection * * Date Opened : XX/XX/XXXX | Balance : {$1500.00} This collection record is false. I have no association with this debt, and it can not be verified. I demand immediate removal of this account from my credit file. 
XXXX Acct : XXXX Collection * * Date Opened : XX/XX/XXXX | Balance : {$340.00} I have no knowledge of this account. It is either a case of mistaken identity or reporting error. This entry must be deleted immediately for non-verification under FCRA 611 ( a ). 
UNAUTHORIZED OR QUESTIONABLE HARD INQUIRIES The following inquiries were not authorized by me and must be removed immediately as they negatively impact my credit profile. I did not grant consent to these companies to access my credit information, and therefore, they are reported in violation of FCRA 604 ( a ) ( 3 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, credit bureaus must ensure that only authorized inquiries remain on the consumers file. I request that these be investigated and deleted immediately unless verified by signed authorization. 
Request for Resolution : 1. Correct all inaccurate late payments to reflect my true payment history. 
2. Delete all unverifiable or unknown charge-offs, collections, and accounts. 
3. Remove all unauthorized hard inquiries from my credit report. 
4. Provide me with a written confirmation once corrections are complete. 
This complaint is submitted under FCRA 611, 616, and 617, and I expect a prompt and thorough investigation. Failure to resolve these inaccuracies will leave me no choice but to escalate this matter to the Federal Trade Commission and my state Attorney General.

Company response to consumer: Closed with non-monetary relief