Consumer complaint received 2025-08-26 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: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccuracies, charge-offs, collections, late payments, wrong addresses, and unauthorized inquiries on my credit report. These inaccuracies have caused and continue to cause significant harm to my financial reputation, creditworthiness, and access to credit. I am exercising 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., which require both credit reporting agencies and furnishers to ensure the accuracy, completeness, and legitimacy of reported information. Despite my repeated attempts to resolve these issues directly with the creditors and agencies, these errors persist, misrepresent my credit history, and create unnecessary financial obstacles. 
XXXX XXXX XXXX XXXXXXXX, NV XXXX Wrong Address Issue : This address has been falsely associated with my credit file. 
Law : FCRA Section 609 ( a ) ( 1 ) ( A ) provides consumers the right to dispute inaccurate personal information, including addresses. 
Story : I have never resided at XXXXXXXX XXXX XXXX. Despite this, multiple accounts and inquiries link this incorrect address to my credit history. This misreporting creates confusion, risks potential identity theft, and misleads potential lenders. Incorrect addresses can trigger fraud alerts or unnecessary debt collection inquiries, directly harming my financial reputation. I have documented my actual residences and communicated with reporting agencies multiple times, yet this incorrect address continues to appear, violating FCRA requirements for accurate reporting. 
XXXX XXXX XXXX High Balance : {$13000.00}, Date Opened : XX/XX/year> Collection * * Issue : Incorrect collection reporting. 
Law : FCRA Section 611 ( a ) and FDCPA Section 807 prohibit deceptive reporting and require verification of disputed debts. 
Story : I disputed this account in writing and provided evidence that the alleged debt is not valid. Despite this, it remains reported in collection status. This misrepresentation can lead to collection harassment, credit denials, and other financial consequences. The failure to verify this account before reporting it violates federal laws. 
XXXX XXXX XXXX High Balance : {$9000.00}, Date Opened : XX/XX/year> Collection Issue : Duplicate or false collection reporting. 
Law : FCRA Sections 607 ( b ) and 623 ( a ) ( 1 ) require non-duplicative and accurate reporting.

Story : The account appears to be either a duplicate or incorrectly reported. This false reporting has a material negative effect on my credit score, impacting my ability to secure loans and maintain financial stability. The credit bureau 's failure to correct this violates the FCRA. 
I demand that all of the above inaccuracies be fully investigated, corrected, or removed immediately, and that I receive written confirmation of all actions taken. Failure to comply may result in further legal action to protect my rights under the FCRA and FDCPA. These repeated violations have caused financial harm, emotional stress, and potential loss of opportunities, which underscores the urgency of immediate corrective action. I expect full compliance within the legally mandated timeframes and protection of my financial integrity moving forward.

Company response to consumer: Closed with non-monetary relief