Consumer complaint received 2025-09-11 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:
Dear CFPB, I am writing to formally submit this complaint regarding multiple inaccurate and unauthorized accounts, collections, charge-offs, late payments, and hard inquiries being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following items are disputed as they are inaccurate, unverifiable, misleading, and are causing me financial and reputational harm XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address This address is inaccurate. The false reporting of addresses affects my ability to establish credit and violates my rights under FCRA 607 ( b ) .Story : When I attempted to refinance my auto loan, this address appeared and the lender asked me to provide proof of residency there. I could not, because it is not mine, and that made the process frustrating and humiliating. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address This address is completely unrelated to me. Reporting it creates material harm to my reputation and credibility. FCRA requires that only verifiable and accurate information be reported.Story : This wrong listing makes it appear I am connected with multiple cities and states, which misrepresents my stability. I lost an opportunity for a rental home approval because the landlord thought I had too many address records with no proper explanation. 

XXXX XXXX XXXX High Balance : {$790.00} Date Opened : XX/XX/XXXX Charge Off This account is inaccurately reported as a charge off. I dispute the validity, completeness, and accuracy of this account. If the furnisher can not provide verifiable documentation with my signed contract and complete payment history under FCRA 609 ( a ) ( 1 ), it must be deleted.Story : I never received proper notice of this alleged charge off. The reporting has destroyed my credit score, caused denials for credit cards, and prevented me from getting lower interest rates. Without proof, this account should not remain. 

XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off This account has been wrongfully reported as charged off. I request validation including original signed agreement, payment records, and proper chain of custody. Failure to provide such documentation violates FCRA 611 ( a ) and FDCPA 809 ( b ) .Story : This inaccurate entry has directly led to a denial when I applied for a personal loan. I was embarrassed and financially harmed as I needed the loan for an emergency. My good name should not be punished because of unverified reporting. 
XXXX XXXX XXXX * High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off This account is inaccurately reported as a charge off. I dispute the completeness and accuracy of this record. Without verifiable evidence such as original signed contract, payment history, and proof of charge off, it must be deleted.Story : This negative report has unfairly reduced my credit score and caused me denials when applying for credit. I never received proper charge off notice. I am being punished for an error that can not be verified, which violates my rights. 

XXXX XXXX * High Balance : {$990.00} Date Opened : XX/XX/XXXX Charge Off I dispute this charge off entry. I demand validation including all original records and proof of ownership. If the furnisher can not provide these, it must be deleted under FCRA.Story : Because of this false report, I was rejected for a small business credit card I needed to help grow my income. This denial placed me in financial hardship, directly harming my life. 

XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the reported late payments. I demand proper documentation proving the alleged delinquency. Without verified proof, this account must be corrected to show Paid as agreed.Story : These late payment marks are not true. They have created the impression I am irresponsible, which is not correct. Because of this false reporting, I was forced to pay higher deposits for utilities and phone services. 

XXXX XXXX * High Balance : {$300.00} Date Opened : XX/XX/XXXX Charge Off I dispute the reporting of this account as a charge off. Without documented evidence, this is unverifiable and must be deleted.Story : This small account should not have been reported as a charge off, yet it damaged my score heavily. Lenders now see me as high risk, even though this is inaccurate and unjust. 

XXXX XXXXXXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Charge Off This account is wrongfully listed as charged off. I dispute its validity and accuracy. Documentation must be provided or the account must be removed.Story : Such a small balance being reported as a charge off makes no logical sense and unfairly destroys my credit standing. I have suffered embarrassment in front of lenders because of this wrong reporting. 

XXXX XXXX XXXX * * High Balance : {$25000.00} Date Opened : XX/XX/XXXX Charge Off I dispute this charge off account as inaccurate and unverifiable. I demand proof of ownership, signed contract, and payment history.Story : This large amount being reported as charged off without proof has caused serious financial damage to me. I was denied an auto refinance that would have saved me hundreds of dollars monthly, leaving me with financial stress and unfair costs. 

XXXX XXXX * High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment reporting. Proper documentation must be provided. If not, the account should reflect accurate on-time payments.Story : These alleged lates are very old and unverifiable, yet they continue to punish me. Because of this, I was denied a student loan consolidation, which increased my monthly burden and financial hardship. 

XXXX XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX Late Payment * I dispute the late payment history for this account. Unless verifiable evidence is provided, it must be corrected immediately.Story : This inaccurate reporting has led to higher auto insurance premiums and unfairly harmed my financial stability. My record should not be tainted with false late payments. 

XXXX XXXX XXXX XXXXXXXX * High Balance : {$28000.00} Date Opened : XX/XX/XXXX Charge Off This account is incorrectly reported as a charge off. Without legal proof, this is unverifiable and must be deleted.Story : Because of this inaccurate report, I was denied for a mortgage pre-approval. This has delayed my ability to secure housing for my family and caused significant stress and humiliation. 
XXXX MT XXXX * High Balance : {$16000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the reported late payments. This reporting is inaccurate and unverifiable. I demand proper validation and removal of these negative marks.Story : These alleged lates make it look like I am financially irresponsible when in reality I worked hard to make payments. Because of this false entry, I was denied an auto loan approval which created hardship for my transportation needs. 

XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment I dispute this accounts late payment history. Without legal documentation proving accuracy, this entry must be corrected.Story : These false lates made my credit report look unstable to lenders. I was forced to pay higher security deposits for utilities, which placed me under unnecessary financial strain. 

XXXX XXXX XXXX XXXX * * High Balance : {$260.00} Date Opened : XX/XX/XXXX Collection I dispute this collection account. No proper validation has been provided. Without a signed agreement, proof of ownership, and payment history, this entry must be deleted under FCRA 611 ( a ) and FDCPA 809 ( b ) .Story : This collection is small in amount but big in damage. It has lowered my score and caused embarrassment when applying for credit cards. I should not suffer from unverifiable reporting. 

Unknown Account XXXX * High Balance : {$270.00} Date Opened : XX/XX/XXXX Collection I dispute this account completely. I have no knowledge or relationship with this debt. Reporting an unknown account violates FCRA 607 ( b ) requiring maximum possible accuracy.Story : This false collection is damaging my reputation. Lenders think I have unpaid debts when in fact I do not. This made me look unreliable during a background check for a rental home and cost me the opportunity. 

XXXX XX/XX/XXXX XXXX I dispute these duplicate inquiries. I did not authorize multiple hard pulls from the same company.Story : These inquiries unfairly dropped my credit score and created the impression that I am desperately seeking credit. This has damaged my credibility with lenders. 

XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry These inquiries were not authorized by me. Reporting unauthorized inquiries violates FCRA 604.Story : Because of these inquiries, my credit score was lowered, costing me higher loan rates and financial stress. I never gave written consent for these pulls. 

XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I dispute these inquiries. I did not authorize them, and they are harmful to my score.Story : These inquiries created the impression that I applied for multiple credit unions, which I did not. It made me appear high-risk and I was denied for financing. 

Complaint Summary and Request for Relief : 1. I demand that CFPB investigates each of these disputed accounts and inquiries. 
2. I request the immediate deletion of all inaccurate, unverifiable, duplicated, and unauthorized items from my credit report.

3. I request enforcement of FCRA and FDCPA provisions to ensure creditors and collectors follow federal law.

4. I request written confirmation once these accounts and inquiries have been fully removed. 
These reporting errors have caused me significant financial harm, emotional distress, and obstacles in obtaining housing, employment, and fair access to credit. I am exercising my rights under the FCRA and FDCPA and demand that my complaint be taken seriously and corrected immediately.

Company response to consumer: Closed with non-monetary relief