Consumer complaint received 2025-08-06 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 filing this complaint to formally dispute and request the immediate investigation and permanent correction and deletion of multiple inaccurate, unverifiable, and fraudulent items on my credit report that are causing me substantial harm and financial hardship. The items listed below include multiple incorrect addresses, unauthorized hard inquiries, and inaccurately reported derogatory accounts that violate federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ). These accounts are seriously impacting my creditworthiness, access to housing, employment, and financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have never lived in Arizona. This address appearing under my name has led to bank denials, fraud alerts, and panic over possible identity theft. Its inclusion is irresponsible and unlawful per FCRA Section 611 ( a ). 
XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$920.00} Date Opened : XX/XX/XXXX This account was charged off with no notification or proper dispute resolution. I had previously submitted hardship documentation due to financial difficulties after job loss and a medical crisis. Ignoring my hardship request and charging off the account anyway violates FCRA 623 ( a ) ( 3 ) and FDCPA 809 ( b ). 
XXXX XXXX XXXX Charge Off High Balance : {$460.00} Date Opened : XX/XX/XXXX I had auto-pay enabled, and no notification was given prior to the charge-off. I believe this account was closed out maliciously. My efforts to validate or resolve this were ignored, which violates FDCPA 807 and FCRA 604 ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXX  Late Payment High Balance : {$530.00} Date Opened : XX/XX/XXXX The late payment reported here is inaccurate. I had a grace period agreement after losing my income during the pandemic, yet the bank reported me late. I felt betrayed and helpless, especially during a time of vulnerability. This directly violates FCRA 607 ( b ). 
XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Duplicate of XXXX and XXXXXXXX XXXX The same account has been reported under different furnishers, inflating the damage. I never agreed to such terms with all these different names. FCRA 605 ( b ) protects consumers against duplicative entries. 
XXXX XXXX Charge Off High Balance : {$2300.00} Date Opened : XX/XX/XXXX This loan was fraudulent or opened under false pretense. I have no recollection of this account and never received billing statements or agreements. It has destroyed my chances of affordable credit. This violates FDCPA 809 ( a ) and FCRA 623. 
XXXX XXXX XXXX XXXX Charge Off High Balance : {$16000.00} Date Opened : XX/XX/XXXX I returned the vehicle voluntarily due to financial hardship. The lender agreed to settle but still marked it as charged off. This broken agreement and false reporting goes against CFPB repossession guidelines and FCRA 611 ( a ). 
XXXX XXXX Late Payment High Balance : {$3000.00} Date Opened : XX/XX/XXXX This student loan was in deferment. Reporting it late during forbearance is completely unjust. As a struggling student, this destroyed my credit and chances of co-signing for my younger siblings education. 
XXXX XXXX Late Payment High Balance : {$5200.00} Date Opened : XX/XX/XXXX Again, misreporting while in forbearance. These two entries combined have stalled my attempts to rebuild my life and get back on my feet. FCRA 607 ( a ) demands accuracy. 
DEPT OF EDXXXX XXXXXXXX Late Payment High Balance : {$7600.00} Date Opened : XX/XX/XXXX This loan was enrolled in IDR ( Income-Driven Repayment ), and should have had {$0.00} payments. Reporting late payment under IDR status is predatory and unethical, violating FCRA 623 ( b ). 
XXXX XXXX Late Payment High Balance : {$8700.00} Date Opened : XX/XX/XXXX I requested hardship assistance due to unexpected XXXX XXXX XXXX. Instead of supporting me, they reported me late. I still receive threats. This has affected my health and peace of mind. FDCPA Section 809 violated. 
XXXXXXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$25000.00} Date Opened : XX/XX/XXXX This vehicle was voluntarily surrendered and settlement agreement reached. Still, I was reported late and charged off in parts. This double damage is malicious and a breach of FCRA 623 ( a ) ( 2 ). 
XXXX XXXX XXXX XXXX Collection High Balance : {$1000.00} Date Opened : XX/XX/XXXX I never received validation or a collection notice. I was not given my legal 30-day validation window. This collection has caused constant lender denials. FDCPA Section 809 ( b ) and FCRA Section 611 were violated. 
XXXXXXXX XXXX XXXX XXXX XXXX Collection High Balance : {$920.00} Date Opened : XX/XX/XXXX This company is unfamiliar. No documentation or contract was ever received. This may be a result of stolen identity or third-party sale of false debt. FDCPA 809 ( b ) requires debt validation. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. I did not submit an application to this company, and no permissible purpose was granted. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Multiple inquiries over different dates with no associated applications. I never authorized this lender to pull my credit on either date. 
XXXX XXXX XX/XX/XXXX No application submitted. Inquiry appears to have been done as part of auto dealership shopping without my explicit consent. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Auto dealership pulled my credit without my knowledge while browsing. No credit application was completed or signed. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Three inquiries from the same entity within a short span. I only visited the branch for a rate inquiry, not a full application. This is excessive and unauthorized. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No application initiated by me. This company accessed my report without consent. 
XXXX XXXX XXXX XX/XX/XXXX Pretext-based pull while visiting the dealership. I never provided my SSN or signed any document authorizing this inquiry. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for any credit with XXXX XXXX or XXXXXXXX on this date. This inquiry is false and damaging. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Duplicate of prior inquiry with no supporting documentation or application on file. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry pulled during auto browsing without my explicit written authorization. I never consented to this hard pull. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Duplicate inquiries within 48 hours without multiple applications. This is clear excessive behavior meant to shop my profile without consent.

I am requesting the CFPB to immediately investigate each of the above matters, compel the credit bureaus and data furnishers to provide full validation, and delete all inaccurate, unverifiable, and unauthorized data from my credit profile as required under federal law. The failure to correct and resolve these matters has caused me emotional distress, financial hardship, and ongoing denial of housing, employment, and credit opportunities.

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with non-monetary relief