Consumer complaint received 2025-09-29 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 submitting this complaint to formally dispute multiple inaccurate and unauthorized items on my credit report. These include false collection accounts and unauthorized credit inquiries. These items are severely harming my credit score, reputation, and ability to access fair credit. The reporting of these items violates my rights 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. ). I demand that all disputed items be fully investigated and immediately corrected or deleted if unverifiable. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This listing of a XXXX XXXXXXXX as one of my residences is misleading and inaccurate. I have never claimed this as my physical address. A XXXX XXXX XXXXs not a valid residential address and its appearance on my report creates confusion as if I am hiding my true location. This kind of error paints me as untrustworthy and can cause lenders to deny me fair credit. I am concerned that this incorrect address might also be tied to accounts that I never opened. This violates FCRA 604 ( a ) ( 2 ) regarding permissible purpose of reporting and must be corrected. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Wrong Address I dispute this address completely because I have never resided here. I have never signed a lease, paid utilities, or had any personal connection to this location. Yet, its inclusion in my file makes it look as if I have a hidden history or as if I am linked to unknown financial activity. This type of error can cause irreparable harm, such as higher interest rates or denial of credit. Under the FCRA, the agencies must remove or block information that can not be verified. Since there is no proof linking me to this XXXX, TX address, it must be eliminated from my record. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$490.00} Date Opened : XX/XX/XXXX Late Payment This account is being reported with late payments that never occurred. I have always paid this account on time and have records that prove my consistent history. Reporting false late payments damages my reputation and lowers my score unfairly. This misinformation suggests that I am careless with my obligations, which is completely false. Such false data has real-world consequences, including credit denials, higher loan costs, and emotional stress. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. By allowing these errors, the reporting agencies are enabling XXXX XXXX to misrepresent my payment history. I demand that these late payment notations be immediately removed and my history corrected to reflect the truth. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Late Payment This account is also falsely reporting late payments. I dispute this information because I never failed to make timely payments on this XXXX account. False late payment reporting makes me appear unreliable to creditors and has already damaged my ability to obtain credit on fair terms. This is not only inaccurate, but also harmful to my financial standing. According to FDCPA 807 ( 8 ), no furnisher or debt collector may communicate false credit information. Reporting this as late is both a violation of federal law and my consumer rights. The FCRA gives me the right to dispute and demand correction, and I am exercising that right now. I insist that this accounts history be corrected to show on-time payments only. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$930.00} Date Opened : XX/XX/XXXX Charge Off This account is showing as a charge-off, but I dispute that claim entirely. I have no knowledge of this account ever being delinquent or charged off. If XXXXXXXX XXXX believes this to be accurate, they must provide proper validation including signed agreements, account history, and payment records. Without such proof, this account is unverifiable and must be removed immediately. Reporting unverifiable data violates FCRA 611 ( a ) ( 5 ) which requires deletion of disputed items if they can not be substantiated. The false charge-off notation has already caused serious harm by portraying me as financially reckless when I am not. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Collection I strongly dispute this collection account. I have no knowledge of any debt associated with XXXXXXXX XXXX and I never received any notice or validation of such an account. According to FDCPA 809 ( a ), a debt collector must provide validation of a debt upon request. Since no such validation was ever provided, this debt is unverified and illegally reported. The appearance of this collection item has damaged my score and makes it appear as though I am not honoring my obligations, which is completely false. Unless XXXX can produce real documentation proving that I owe this alleged debt, it must be permanently deleted from my credit report. 
XXXX XX/XX/XXXX XXXX This is yet another unauthorized pull by the same entity, creating multiple false hits on my file. Each one lowers my creditworthiness in the eyes of lenders. I never approved this, making it an unlawful invasion of my privacy. 
XXXX XX/XX/XXXX XXXX I dispute this as unauthorized. I never applied for financing with XXXX XXXX. This is a direct violation of FCRA 604, as they had no permissible purpose. 
XXXX XX/XX/XXXX XXXX I dispute this unauthorized inquiry. I never applied for credit with XXXX ( XXXX XXXX ) . Their pull was unlawful and damaging to my file. 
XXXX XX/XX/XXXX XXXX This inquiry is unauthorized. I did not give permission for XXXX XXXX to access my credit. It must be deleted. 
These inaccurate collections and unauthorized inquiries have caused severe emotional distress, reputational harm, and financial damage. I request a thorough investigation and immediate removal or correction of all disputed items. Under FCRA 611 ( a ), you are required to respond within 30 days. 
Failure to correct these items will leave me no choice but to pursue legal remedies under the FCRA, FDCPA, and all applicable federal and state laws.

Company response to consumer: Closed with non-monetary relief