Consumer complaint received 2025-08-22 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:
To Whom It May Concern, I am filing this complaint because my credit report contains inaccurate, unverifiable, and misleading items. These accounts, charge-offs, late payments, collections, and inquiries are reported in violation of 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 the Consumer Financial Protection Act. I am requesting a full investigation and deletion of all unverifiable and inaccurate items from my credit file. 
XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This is not my residence. 
Law : FCRA 607 ( b ) requires maximum possible accuracy. FCRA 611 requires reinvestigation and deletion of unverifiable information. 
Story : I have never lived at this location. Having this wrong address listed in my file creates a false narrative of my residential history. Lenders, employers, and housing authorities who review my report are misled into thinking I have lived in places I never did. This not only damages my personal reputation but also puts me at risk of identity theft. If an unknown person uses this address to open fraudulent accounts, I may be wrongly connected to them because the bureau already has it on file. This negligent act creates emotional stress, unfair denials of credit, and long-term damage to my credibility. 
XXXX XXXX XXXX 4021 DAYTON, TX XXXX Wrong Address Issue : False residential history. 
Law : FCRA 607 ( b ) mandates accuracy in consumer files. 
Story : I have never lived at this Dayton, TX address. By attaching me to it, credit bureaus are creating a false identity history that could be exploited by criminals or result in lenders declining me. This destroys my trust in the credit system. Wrong addresses are not small mistakesthey impact everything from mortgage approvals to job applications. This continued negligence is unacceptable and must be corrected immediately. 
XXXX XXXX | High Balance {$1200.00} | Opened XX/XX/XXXX Late Payment Issue : Late payment inaccurately reported. 
Law : FCRA 623 prohibits furnishers from knowingly reporting false information. 
Story : I have made consistent payments, yet this creditor has reported late marks that are either false or unverified. These false late payments drag down my score by hundreds of points, leading to higher interest rates, denial of credit cards, and rejection of rental applications. It is extremely frustrating to be punished for something I did not do. Each late mark is like a scar on my financial record, and lenders judge me unfairly as high risk. This reporting is false, harmful, and must be removed. 
XXXX XXXX XXXX | High Balance {$750.00} | Opened XX/XX/XXXX Charge-Off Issue : Wrongful charge-off. 
Law : FDCPA 807 prohibits misrepresentation of debt. 
Story : This account has been reported as a charge-off, yet there is no proper validation or proof. Reporting a false charge-off is equivalent to accusing me of abandoning debt I did not owe. This ruins my financial image and paints me as irresponsible in front of creditors. A charge-off is one of the worst marks to have, and it takes years to recover from. This false reporting has caused me rejections for auto loans, credit cards, and even employment opportunities. It is negligent, damaging, and unlawful. 
XXXX XXXX XXXX | High Balance {$540.00} | Opened XX/XX/XXXX Charge-Off Issue : False charge-off. 
Law : FCRA 607 ( b ) requires maximum accuracy. 
Story : I never abandoned this account, yet it is listed as a charge-off. This kind of reporting creates long-term financial harm. Every time a lender sees charge-off, they assume I am untrustworthy and incapable of repaying debt. It unfairly labels me and denies me fair opportunities for credit. This is an injustice that must be corrected. 
XXXX XXXX XXXX XXXX XXXX {$1800.00} | Opened XX/XX/XXXX Charge-Off Issue : Charge-off wrongly listed. 
Law : FCRA 623 ( a ) ( 1 ) ( A ). 
Story : The furnisher has provided no proof of this charge-off, yet the bureaus report it as fact. This kind of inaccurate reporting is reckless. It hurts me emotionally, financially, and professionally. It limits my ability to buy a car, secure a home, or even get basic credit approval. Wrongful charge-offs are one of the worst types of damage a credit bureau can allow, and it has left me suffering consequences I do not deserve. 
XXXX XXXX XXXXXXXX | High Balance {$490.00} | Opened XX/XX/XXXX Late Payment Issue : False late payments. 
Law : FCRA 611 requires deletion if unverifiable. 
Story : I dispute every late payment reported on this account. I made my payments as agreed, and no proper documentation has been provided to prove otherwise. This reporting has directly lowered my credit score and caused denials. Being wrongly labeled as late is humiliating and financially devastating. 
XXXX XXXX XXXXXXXX XXXX | High Balance {$1500.00} | Opened XX/XX/XXXX Late Payment Issue : Wrong late marks. 
Law : FCRA 623 requires furnishers to correct and update. 
Story : These late payments are false. The creditor did not maintain proper records, and yet the bureaus continue to report negative marks against me. These marks block me from renting homes, getting credit approvals, and moving forward financially. They must be deleted. 
XXXX XXXX | High Balance {$2300.00} | Opened XX/XX/XXXX Late Payment Issue : Late payments inaccurately reported. 
Law : FCRA 607 ( b ). 
Story : I dispute these late marks entirely. Reporting false late payments is not only negligent but also damaging. Each time my report is pulled, it looks like I was financially irresponsible, when in reality I was not. This false image harms my future. 
XXXX XXXX XXXX | High Balance {$890.00} | Opened XX/XX/XXXX Charge-Off Issue : Wrongful charge-off. 
Law : FDCPA 807 prohibits false representations.

Story : This account was either paid or not mine, yet it is reported as a charge-off. This reckless reporting damages my credit history severely. It is a violation of consumer protection laws and must be removed immediately. 
XXXX XXXX | High Balance {$1000.00} | Opened XX/XX/XXXX Late Payment Issue : False late marks. 
Law : FCRA 611.

Story : These late payments are not accurate and the creditor has not validated them. Such reporting lowers my score, increases my loan interest rates, and causes ongoing financial harm. 
XXXX XXXX XXXX XXXX XXXX {$410.00} | Opened XX/XX/XXXX Charge-Off Issue : Wrong charge-off reporting. 
Law : FCRA 623 and FDCPA 807. 
XXXX : This account does not belong to me. Wrong charge-offs are extremely damaging and unfairly punish me for debts I did not incur. This reporting is unlawful and negligent. 
XXXX XXXX| XXXX XXXX {$1200.00} | Opened XX/XX/XXXX Charge-Off Issue : False charge-off. 
Law : FCRA 607 ( b ). 
Story : The furnisher has not provided proof. Reporting a charge-off without evidence is unfair, unlawful, and financially destructive. 
XXXX XXXX XXXX | High Balance {$320.00} | Opened XX/XX/XXXX Charge-Off Issue : Wrong charge-off. 
Law : FDCPA 807.

Story : This account either does not belong to me or was reported inaccurately. Wrongful charge-offs devastate my creditworthiness and financial standing. 
XXXX XXXX XXXX | High Balance {$7600.00} | Opened XX/XX/XXXX Late Payment Issue : False late marks. 
Law : FCRA 611 requires deletion of unverifiable negatives.

Story : The Department of Education has reported late payments that are false. These marks damage my chances for financial aid, student loan relief, and future educational opportunities. This is extremely harmful to my life and future. 
XXXX XXXX| XXXX XXXX {$1300.00} | Opened XX/XX/XXXX Charge-Off Issue : Wrong charge-off. 
Law : FCRA 623. 
Story : XXXX has reported a charge-off without proof. This false reporting affects my reputation as a consumer and prevents me from accessing fair credit. 
XXXX XXXX XXXX | High Balance {$1500.00} | Opened XX/XX/XXXX Charge-Off Issue : Wrong charge-off. 
Law : FCRA 607 ( b ). 
XXXX : This account is either fraudulent or unverifiable. Reporting it as a charge-off is reckless and harmful. 
XXXX XXXX XXXXXXXX | High Balance {$1400.00} | Opened XX/XX/XXXX Late Payment Issue : False late payment marks. 
Law : FCRA 611.

Story : I dispute the late marks as false. These negatives lower my score, increase my financial burden, and damage my reputation. They must be removed immediately. 
XXXX XXXX XXXX High Balance : {$3400.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Reported as charge-off but no validation of debt was ever provided Law : FCRA 609 ( a ) ( 1 ) requires that all reported information be verified ; FDCPA 809 ( b ) requires debt validation before collection reporting Story : This account is causing major harm to my creditworthiness because it is being reported as a charge-off without any proof of ownership, contract, or payment history. I was never provided original documentation, billing statements, or signed agreements. Reporting unverified negative data is a violation of my rights and has created emotional distress, denial of credit, and financial hardship XXXX XXXX High Balance : {$26000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payments inaccurately and inconsistently reported Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate information ; 611 requires proper reinvestigation of disputes Story : The late payments listed are not consistent with my payment records and XXXX has failed to provide validation of these delinquencies. I have maintained communication with the creditor and made payments, yet they continue to report derogatory information without justification. This inaccurate reporting is misleading lenders, lowering my score, and harming my financial stability XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Payment Issue : Inaccurate late payment reporting Law : FCRA 607 ( b ) requires furnishers to report with maximum accuracy ; FDCPA 807 prohibits misleading representation Story : This auto loan is reported with late payments that I dispute as inaccurate. I was not provided with proper billing records nor proof of delinquency dates. The continued presence of this derogatory mark is harming my creditworthiness and violates my right to accurate reporting under federal law XXXX XXXX XXXXXXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Improper charge-off with no validation Law : FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ) require validation of debts before negative reporting Story : XXXX XXXX reported this account as a charge-off without ever providing proper documentation, contract, or billing statement. I have disputed this account multiple times yet it continues to be reported without correction. This inaccurate reporting is harming my credit score and violating my right to fair reporting XXXX XXXX XXXX XXXXXXXX High Balance : {$180.00} Date Opened : XX/XX/XXXX Collection BOUNCE AI XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Collection Issue : Unverified collection accounts Law : FDCPA 809 ( b ) requires debt validation ; FCRA 611 requires reinvestigation of disputed accounts Story : These accounts are reported as collections with balances, yet no validation or original proof of debt has ever been provided. Reporting unverifiable collections is a direct violation of the law and is harming my ability to obtain fair credit. These small-dollar collections are being weaponized to unfairly lower my credit score and block me from opportunities Inquiries ( XXXX XXXX Multiple Dates ) Issue : Multiple hard inquiries without permissible purpose Law : FCRA 604 ( a ) ( 3 ) limits access to credit reports only for permissible purposes ; unauthorized inquiries are violations of federal law Story : These inquiries were made without my authorization or without legitimate business purpose. Repeated inquiries from XXXX XXXX and XXXX XXXX appear excessive and suspicious. Unauthorized inquiries are damaging my credit score and creating the appearance of risky behavior to lenders when in fact I never consented to these pulls. This is a violation of my consumer rights and must be removed Conclusion These accounts, charge-offs, late payments, collections, and inquiries are inaccurate, unverifiable, and harmful. They violate the FCRA and FDCPA and are damaging my financial stability, credit reputation, and opportunities. I respectfully request that the Consumer Financial Protection Bureau investigate these matters and require the deletion of all unverifiable and inaccurate information from my credit file.

Company response to consumer: Closed with non-monetary relief