Consumer complaint received 2025-08-21 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:
Dear CFPB, I am submitting this formal complaint under 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., against the credit reporting agencies and furnishers who have failed to ensure accuracy, proper investigation, and lawful handling of my credit information. My credit file has been severely damaged by multiple inaccuracies, including wrong addresses, misreported accounts, late payments that never occurred, charge-offs reported in error, duplicate collections, and unauthorized inquiries. 
The following items represent inaccurate, misleading, and legally non-compliant reporting that has caused me financial and reputational harm : Account : XXXX XXXX, High Balance {$340000.00}, Date Opened XX/XX/XXXX Late Payment Issue : Inaccurate late payment reporting. 
Law : FCRA 607 ( b ), FDCPA 807 ( 8 ).

Story : I never missed payments in the way reported. The bureaus failure to properly verify has falsely shown me as delinquent on a large financial obligation. This is severely harmful because lenders now view me as a high-risk borrower. My payment history has always been my priority, and this error undermines years of responsible financial management. 
Account : XXXX XXXX XXXX XXXX High Balance {$620.00}, Date Opened XX/XX/XXXX Charge Off Issue : Reported as a charge off without proper verification. 
Law : FCRA 611 requires removal if unverifiable. 
Story : I dispute this negative status because I never defaulted in the manner alleged. Reporting this account as charged off misrepresents my financial behavior. Such false reporting damages my score, restricts my opportunities for credit, and paints a false image of me as unreliable. 
Account : XXXX XXXX XXXX XXXX, High Balance {$34000.00}, Date Opened XX/XX/XXXX Charge Off Issue : Inaccurately reported as charged off. 
Law : FCRA 607 ( b ).

Story : This account should not have been listed as a charge off. Reporting it this way misleads lenders and employers who rely on credit reports. This inaccurate entry is destroying my credibility and constitutes willful noncompliance. 
Account : XXXX XXXX XXXXXXXX, High Balance {$7200.00}, Date Opened XX/XX/XXXX Charge Off Issue : Improper reporting as a charge off. 
Law : FCRA 611. 
Story : I dispute the charge off entirely. This account was not charged off, yet is listed as such. This misrepresentation prevents me from fair access to financial products and lowers my credibility in the marketplace. 
Accounts : XXXX XXXX XXXX XXXX, High Balance {$20000.00} and {$35000.00}, Date Opened XX/XX/XXXX Charge Off Issue : Multiple entries with inconsistent balances for the same account. 
Law : FCRA 607 ( b ). 
Story : Reporting the same account multiple times with conflicting balances shows complete disregard for accuracy. This inflates my negative profile and causes unnecessary credit score damage. It is unfair, unlawful, and must be corrected immediately. 
Hard Inquiries ( Disputed Individually ) Inquiry : XXXX XXXX  XXXX XX/XX/XXXX Issue : Wrongful inquiry. 
Law : FCRA 604. 
Story : I had no business dealings with XXXX XXXX, yet they accessed my file. This is unlawful and must be removed. 
Overall Harm and Non-Compliance : The repeated pattern of inaccurate reporting, failure to correct errors upon dispute, and allowance of unauthorized inquiries demonstrates systemic violations of the FCRA and FDCPA. Each inaccuracy has caused me denial of credit, emotional distress, reputational harm, and unnecessary financial hardship. 
Relief Requested : I respectfully request that the CFPB : 1. Conduct a full investigation into these reporting errors.

2. Order the credit bureaus and furnishers to immediately delete the inaccurate addresses, account errors, and unauthorized inquiries. 
XXXX. Require the furnishers to provide documentation verifying accuracy before re-reporting any negative information. 
XXXX. Ensure compliance with FCRA and FDCPA provisions to prevent further harm. 
I am attaching supporting documents, including prior disputes sent to the bureaus, proof of my correct address, and payment records for the disputed account. 
Thank you for your attention to this matter. I trust the CFPB will uphold my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief