Consumer complaint received 2025-09-03 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:
I am filing this complaint to dispute multiple inaccurate, misleading, and harmful entries on my credit report. These accounts have been reported in ways that do not reflect my actual payment history, responsible actions, or communications with creditors. The misreporting has caused significant emotional distress, financial harm, and disruption to my daily life, including denial of housing, loans, and financial opportunities. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates accurate, fair, and complete reporting. Each account below demonstrates violations of my rights, and I demand immediate investigation, correction, and removal of inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$560.00} Charge Off * * This account was reported as a charge-off even though I made repeated attempts to resolve any misunderstandings. I contacted the creditor multiple times, provided documentation, and attempted to set up payment arrangements. Despite these good faith efforts, they reported the account as charged off, which unfairly lowered my credit score and affected my ability to obtain fair financial services. Reporting such inaccurate information is a violation of FCRA 1681s-2, as creditors are required to ensure the accuracy of the information they report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$170.00} Charge Off XXXX XXXX I have never received proper verification or notice regarding the charge-off on this account. I attempted to clarify the balance and payment status, but the creditor reported it incorrectly. This false reporting has caused undue stress, limited my financial opportunities, and disrupted my personal and professional plans. Under FCRA 1681i, I have the right to dispute such inaccuracies and expect that the reporting party investigate and correct them. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$590.00} Charge Off XXXX XXXX The charge-off on this account is inaccurate and misleading. I attempted to communicate with the creditor, provide proof of payments, and resolve any outstanding issues, yet they reported a charge-off without verification. This has damaged my creditworthiness, affected my ability to obtain loans or favorable interest rates, and caused emotional distress due to the unfair reporting. The FCRA mandates accurate reporting, and this account clearly violates XXXX ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$1800.00} Charge Off * * Despite my consistent communication and attempts to manage this account responsibly, it was reported as a charge-off. This misreporting directly impacted my credit score and prevented me from accessing essential financial services. It is unacceptable for creditors to report false information without proper investigation or verification. FCRA 1681s-2 requires accurate reporting, which was clearly not followed in this case. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment * * A late payment has been reported incorrectly for this account. I have detailed records and bank statements proving that all payments were made on time. The inaccurate reporting has negatively affected my credit score, increased my stress, and limited my ability to obtain housing and loans. Under FCRA 1681i, I have the right to dispute and remove false information from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$4300.00} Charge Off * * This account is inaccurately reported as charged off, even though I took all reasonable steps to address the balance. I was not provided notice or verification, and the creditor reported false information, resulting in negative impact on my creditworthiness and ability to secure financial services. Such reporting violates FCRA 1681s-2 and has caused unnecessary stress, embarrassment, and financial hardship. 
XXXX XXXXXXXX Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment * * This account incorrectly reports a late payment. I have records proving that every payment was made on time. Despite my attempts to clarify this with the creditor, they reported it inaccurately, causing me emotional stress and damaging my financial credibility. This false reporting affected my ability to obtain loans, rental applications, and even impacted my personal relationships due to credit checks. Misreporting like this violates FCRA 1681i and shows a lack of due diligence by the creditor. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$620.00} Collection * * This account has been reported as a collection without proper verification or notice. I never received valid communication, and I attempted to contact the creditor multiple times to resolve the matter. Despite my good faith efforts, the creditor reported it as a collection, causing severe stress, reputational harm, and financial hardship. This reporting prevented me from securing fair interest rates and limited my financial opportunities. Such misreporting is a clear violation of FCRA 1681s-2. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$630.00} Collection * * This account is inaccurately reported as a collection. I attempted multiple times to resolve the account and provide clarification, yet the creditor failed to properly investigate before reporting. This has led to wrongful damage to my credit score, increased interest rates, and undue stress. The misreporting affects my ability to live and function normally in daily life, impacting housing, work, and personal finances. This constitutes a violation under FCRA. 
Unknown Account XXXX Opened : XX/XX/XXXX High Balance : {$780.00} Collection * * This account is unknown to me and is reported as a collection without my authorization. I have no record of opening or agreeing to this account. Reporting unknown and unverifiable accounts causes significant distress, lowers my credit score, and has unfairly affected my financial reputation and ability to engage in everyday transactions. This is a serious violation of FCRA. 
Unknown Account XXXX Opened : XX/XX/XXXX High Balance : {$1100.00} Collection * * This account, like the previous one, is unknown to me and inaccurately reported. I never authorized or opened this account, and yet it appears as a collection on my credit report. The false reporting has caused severe emotional distress, financial harm, and disrupted my ability to obtain housing and loans. Reporting such unverifiable accounts is unlawful and a blatant violation of my rights under FCRA.

I demand that all disputed entries be investigated immediately. If creditors can not verify the accuracy of these accounts, the information must be corrected or removed in compliance with FCRA 1681i. I also request written confirmation of the results of your investigation. I reserve all rights to pursue legal remedies for violations under FCRA, including damages for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief