Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
To Whom It May Concern I am filing this formal complaint regarding multiple false, inaccurate, and harmful items that are being reported on my credit file. These errors are directly violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other consumer protection laws. Each item is listed below with the related Issue, Law, and a detailed Story of how it has harmed me. I am demanding immediate deletion of all items that are inaccurate, unverifiable, or unauthorized. 
Wrong Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This is another false address. 
Law : FCRA 609 requires accurate consumer disclosure and correction of inaccurate information.

Story : I never lived in XXXX, yet this false address ties me to another state. This creates suspicion that I might be linked to fraud or identity theft. When lenders see addresses scattered across states I never lived in, they treat me as high risk, leading to denials of credit cards and loans. It causes extreme stress and fear of identity confusion. 
Account : XXXX XXXX XXXX XXXX XXXX : Incorrectly reported as charge-off. 
Law : FCRA 1681s-2 prohibits inaccurate reporting ; FDCPA 807 prohibits false representation of debts.

Story : This charge-off has ruined my chances of getting auto loans. When I tried to finance a car, I was denied and embarrassed in front of the dealer. I depend on reliable transportation for work and family, but this false charge-off forced me to accept unreliable vehicles and costly alternatives. It also created XXXX and stress knowing that my reputation is being destroyed by errors I can not control. 
Account : XXXX XXXX XXXX {$1400.00} Issue : Inaccurately reported charge-off. 
Law : FCRA 611 requires proper reinvestigation of disputed accounts.

Story : Because of this false charge-off, I can not even get a fair phone plan. Carriers require large deposits, sometimes hundreds of dollars, because my credit file shows me as a defaulter. This causes financial hardship and embarrassment each time I try to set up basic phone service, something essential for daily life and employment. 
Account : XXXX XXXX XXXX XXXX {$1600.00} Issue : False late payment reporting. 
Law : FCRA 609 and 611 guarantee my right to accuracy and correction.

Story : This account makes me appear irresponsible when I am not. Because of it, I was denied a student loan refinance opportunity, which could have lowered my payments. I continue to pay more every month than I should, which puts unnecessary strain on my budget and family. It feels like being punished unfairly for something that is not true. 
Account : XXXX  XXXX XXXX {$4200.00} Issue : Wrongly reported as charge-off.

Law : FCRA 1681e ( b ) requires maximum possible accuracy.

Story : This negative item blocks me from renting safe apartments for my family. Landlords often deny me after credit checks, leaving me forced to live in less secure or more expensive housing. This is a direct threat to my familys stability and peace of mind. I am constantly worried about providing a safe home because of false data. 
Account : XXXX XXXX XXXX XXXX {$1400.00} Issue : Late payment reporting false.

Law : FCRA 607 ( b ) requires furnishers to report accurate data.

Story : This false report prevented me from co-signing on a family loan. The humiliation of being told I was not reliable enough in front of family members has deeply affected me. I feel powerless and ashamed, despite knowing I always act responsibly. 
Account : XXXX XXXX XXXX XXXX {$2500.00} Issue : Wrong late payment reported. 
Law : FCRA 611 requires reinvestigation and removal of unverifiable accounts.

Story : This single entry exaggerates my credit history by making it appear I consistently fall behind, when that is not true. It magnifies the damage across all my applications, leading to higher borrowing costs and multiple denials. This ongoing stress affects my sleep, health, and daily life. 
Account : XXXX XXXX XXXXXXXX XXXX {$16000.00} Issue : False late payment reporting. Law : FCRA 1681i requires disputes to be corrected promptly. Story : Beca
use of this, I was denied a major loan at a bank. Sitting across from the officer and hearing them say I was too high risk was humiliating and crushing. This false report makes me feel like my hard work means nothing, and I am constantly fighting a system stacked against me.

Final Statement Because of these wrong addresses, false charge-offs, incorrect late payments, false bankruptcies, and unauthorized inquiries, I am suffering ongoing financial harm, denial of opportunities, humiliation, stress, and emotional pain. My rights under federal law are being violated every single day that these items remain on my file. I am demanding CFPBs immediate intervention to ensure that all inaccurate, unverifiable, and unauthorized information is deleted from my credit report and written confirmation is provided within the required timeframe.

Company response to consumer: Closed with non-monetary relief