Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute numerous inaccuracies on my credit report. These errors have caused significant financial, emotional, and reputational harm. Despite repeated attempts to resolve these issues with creditors and credit reporting agencies, the inaccuracies persist. These violations demonstrate failure to comply with federal laws designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
The following accounts and inquiries are inaccurate, unverifiable, or improperly reported : Incorrect Addresses Reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This address has never been associated with me. Its inclusion on my credit report falsely associates me with potential financial liabilities that do not belong to me. Because of this error, I have faced unnecessary scrutiny when applying for loans, rental housing, and financial services. The repeated listing of incorrect addresses violates FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. Each time a lender reviews my report, this error sows doubt about my credibility, causing missed opportunities, higher interest rates, and stress. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This false address listing misrepresents my residential history and creates the appearance of potential liability where none exists. It violates FCRA 1681i ( a ), which requires disputed inaccuracies to be promptly investigated. The persistence of this error has caused frustration, stress, and potential financial harm every time my credit report is accessed. 
Accounts Reporting Late Payments : XXXX XXXX, Acct XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$650.00} Late Payment * * This account incorrectly reports late payments that I never incurred. The false delinquency has directly reduced my credit score, affected loan approvals, and increased interest rates. Reporting unverified late payments violates FCRA 1681i ( a ). I have documentation proving my timely payments, yet the continued misreporting reflects negligence or disregard for federal law. Each denial or delay in credit access due to this error has caused emotional stress and financial instability, including difficulty in managing urgent financial obligations. 
XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$17000.00} Late Payment * * This account falsely reports late payments, which have had severe consequences. Because of this inaccurate reporting, I have faced higher interest rates, repeated loan denials, and added scrutiny from financial institutions. Under FCRA 1681s-2 ( a ), creditors must report only accurate information, yet this account continues to reflect incorrect delinquencies. The stress of dealing with these errors, combined with financial harm, has negatively affected my well-being and created barriers to achieving basic financial stability. 
XXXX XXXX, Acct : XXXX * *, Date Opened : XX/XX/XXXX, High Credit : {$1500.00} Late Payment * * This account has been incorrectly reported as delinquent. I have documentation proving all payments were made on time. Continued reporting of this false information violates FCRA 1681i ( a ) and FDCPA 1692e, which prohibits false representations. The emotional toll of being incorrectly labeled delinquent is severe, causing anxiety, disrupted financial planning, and challenges in obtaining new credit. These repeated inaccuracies reflect a systemic failure by both the creditor and credit reporting agencies. 
XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$27000.00} Late Payment * * This account also reports erroneous late payments. The incorrect reporting has harmed my financial reputation, reduced my borrowing capacity, and caused emotional distress due to repeated efforts needed to dispute the inaccuracy. Reporting unverified late payments constitutes a violation of FCRA 1681s-2 ( a ). The compounding effects of this error include denied mortgage applications, increased insurance premiums, and ongoing stress affecting my professional and personal life. 
XXXX, Acct XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} Collection * * This account falsely reports a collection I do not owe. The misreporting violates FCRA 1681i ( a ) and FDCPA 1692e, which prohibit false representations. The inclusion of this collection has caused financial harm, including denial of personal and business loans, increased difficulty securing rental housing, and higher insurance premiums. The repeated effort required to correct this false reporting has consumed significant time and emotional energy, leaving me feeling frustrated and helpless. The reputational damage extends beyond finance, as this false collection misrepresents my financial responsibility to employers and service providers. 
XXXX, Acct : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1300.00} Charge-Off * * This account has been erroneously reported as a charge-off. I maintained my payment obligations, and the false reporting has lowered my credit score, increased my cost of borrowing, and caused stress in planning for future financial goals. The reporting violates FCRA 1681i ( a ) and FCRA 1681s-2 ( a ). The repeated denials or high-interest loan offers due to this inaccurate charge-off have affected my ability to secure housing, make necessary investments, and manage essential personal expenses. The emotional impact is significant, as it undermines my confidence in the fairness and accuracy of the credit reporting system. 
XXXX, Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$940.00} Late Payment * * This account incorrectly reports late payments, which are unverifiable. Misreporting violates FCRA 1681i ( a ) and FCRA 1681s-2 ( a ). The negative impact on my credit has caused financial setbacks, including missed opportunities for lower-interest loans and increased stress when applying for new lines of credit. The process of repeatedly disputing these inaccuracies has required hours of phone calls, letters, and documentation, causing both frustration and lost time that could have been used productively in personal and professional matters. 
XXXX XXXX XXXX, Acct : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$0.00} Collection * * This account is duplicated or incorrectly reported with a XXXX balance. Such misreporting is misleading, violates FCRA 1681i ( a ), and misrepresents my financial history. The repeated inaccurate reporting has harmed my credit reputation, delayed approval of credit applications, and caused financial stress. Additionally, the psychological toll of being associated with alleged debt I do not owe can not be overstated. The errors have required significant effort to correct and have disrupted my peace of mind. 
XXXX, Acct : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$180.00} Late Payment * * This account reports false late payments, violating FCRA 1681i ( a ) and FCRA 1681s-2 ( a ). The misreporting has contributed to a lower credit score, delayed credit approvals, and created emotional distress. Repeated attempts to resolve the issue have been frustrating and time-consuming, requiring me to gather documentation, submit disputes, and monitor the reporting continuously. The cumulative effect of these errors is a profound sense of injustice and ongoing concern over my financial and personal reputation. 
Summary and Demand : The repeated misreporting of late payments, collections, charge-offs, and unauthorized inquiries has caused financial loss, emotional distress, and reputational harm. These inaccuracies violate the FCRA ( 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), 604 ( a ) ( 3 ) ), FDCPA ( 1692e, 1692g ( a ) ), and other applicable consumer protection laws. 
I demand : XXXX. Immediate investigation and correction of all disputed accounts and inquiries. 
XXXX. Written confirmation of corrections and a detailed account of the investigation conducted. 
XXXX. Assurance that no further inaccurate reporting will occur regarding these accounts or inquiries. 
I reserve all rights to escalate this matter under FCRA 1681n ( civil liability for willful noncompliance ), FCRA 1681o ( civil liability for negligent noncompliance ), and other applicable federal laws. Immediate resolution is required to restore my creditworthiness and protect my rights.

Company response to consumer: Closed with explanation