Consumer complaint received 2025-09-24 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 writing to formally dispute multiple inaccuracies on my credit report. This submission is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and correct any information that can not be verified. These discrepancies are severely impacting my credit reputation, access to financial opportunities, and ability to secure necessary funding. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has never been associated with me in any way. Its presence on my credit report is completely false and misleading. This incorrect address suggests residency that never occurred, creating confusion for lenders, creditors, and anyone attempting to verify my identity. The inclusion of this address jeopardizes my ability to access financial services and has already caused frustration and delays in my attempts to secure business funding. I insist that this address be removed immediately and that any association with my credit history be corrected without delay. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is incorrect. I have no connection to this property, and its reporting on my credit file is inaccurate. The presence of such false addresses paints a misleading picture of my residence history and identity verification, potentially causing serious harm to my credibility and opportunities. It is imperative that this address is corrected and deleted from my credit profile. 
XXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$6.00}, is reported as having a late payment. I dispute this reporting as inaccurate. I have always managed my financial obligations responsibly, and this alleged late payment does not reflect my actual payment behavior. Its presence is damaging to my credit reputation and misleading to any financial institution reviewing my history. Verification of this account and the accuracy of this late payment must be conducted immediately. 
XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$41.00}, is reported as a late payment. This entry is erroneous and does not reflect my responsible management of this account. I request full verification of this reported delinquency. If verification can not be provided, the late payment notation must be removed immediately. The negative impact of such false reporting can hinder my ability to access credit and create unnecessary stress. 
XXXX XXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, with a balance of {$6.00}, is also reported as a late payment inaccurately. I have always made my payments on time, and the report of delinquency is false. This misrepresentation can negatively affect lending decisions and business funding opportunities. Verification must be provided, and if the reported late payment can not be confirmed, it must be removed promptly. 
XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$17000.00}, is incorrectly reported as a late payment. This account has been handled according to my obligations, and the reporting of late payment is misleading and harmful. It falsely portrays my financial reliability and is preventing me from accessing credit at fair terms. A full and accurate investigation is required to ensure the reporting reflects reality. 
XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, is also reported as a late payment. This is entirely inaccurate. Such a false notation undermines my credibility and misleads creditors regarding my payment behavior. I insist on verification or removal immediately. 
XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, is reported as a charge-off. This reporting is false and damaging. I have managed this account responsibly, and the charge-off notation misrepresents my financial behavior, causing irreparable harm to my credit reputation. Verification of the legitimacy of this charge-off must be conducted immediately, and if verification can not be provided, the entry must be deleted. 
XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$19000.00}, is inaccurately reported as a charge-off. This is another instance of false reporting that misleads potential lenders and harms my financial reputation. The reporting suggests financial irresponsibility that does not exist and creates unnecessary obstacles to accessing credit and funding. I request immediate investigation and correction of this account. 
XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, is reported as a late payment. This is incorrect. I have always managed my financial obligations responsibly, and the reporting of a late payment on a XXXX balance account is completely false. Such erroneous reporting misrepresents my financial behavior and undermines my credibility with lenders, creating unnecessary obstacles in my personal and business financial transactions. Verification of this account is required immediately, and if it can not be verified, the late payment notation must be removed. 
XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, is also inaccurately reported as a late payment. This account has been handled responsibly and the alleged delinquency is false. The reporting of this error adversely affects my creditworthiness, potentially impacting loan approvals, interest rates, and business opportunities. I insist that this item be investigated and corrected or removed immediately. 
XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, is reported as a charge-off. This is entirely inaccurate. I have not defaulted on this account, and the charge-off notation is misleading and harmful. The false reporting of a charge-off damages my credit history, misleads potential lenders, and negatively affects my ability to secure necessary funding. Verification must be conducted, and if it can not be substantiated, the entry must be deleted immediately. 
XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$770.00}, is listed as a collection. I dispute this reporting. The account has been either paid or inaccurately reported, and the presence of a collection account on my credit file misrepresents my financial responsibility. Such inaccurate collection reporting prevents access to credit, loans, and other financial services, causing undue stress and financial hardship. I request immediate verification and correction. 
XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$3800.00}, is reported as a collection. I dispute this reporting entirely. The alleged delinquency is incorrect, and this reporting severely misrepresents my creditworthiness. This inaccurate collection entry can prevent me from obtaining loans or funding, misleads lenders, and adversely affects my financial reputation. Verification is required, or the entry must be removed without delay. 
XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$5300.00}, is also reported as a collection. This is inaccurate and does not reflect my actual financial activity. The reporting of this account as a collection account is harmful, misleading, and negatively impacts my ability to access credit and conduct financial transactions. I request a full investigation, verification, and immediate correction or deletion if the information can not be substantiated.


The cumulative effect of these inaccuraciesincluding false late payments, charge-offs, and collectionshas caused tangible harm to my credit standing and financial opportunities. I have consistently managed my financial obligations responsibly, and these false reports misrepresent my creditworthiness, creating unnecessary obstacles in accessing loans, funding, and other financial services. Under FCRA, all disputed items must be investigated within 30 days. I request that each of the above accounts be thoroughly investigated, verified, and corrected. If verification can not be provided, all inaccurate reporting must be removed from my credit report immediately. Please provide written confirmation of the outcome of your investigation and ensure that all inaccuracies are corrected with all three major credit bureaus. Failure to comply constitutes a violation of federal law and entitles me to further legal remedies.

Company response to consumer: Closed with non-monetary relief