Consumer complaint received 2025-08-23 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 inaccurate entries on my credit report, including collections, charge-offs, and unauthorized inquiries. These inaccuracies have caused significant damage to my creditworthiness, financial opportunities, and personal peace of mind. I request immediate investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that credit reporting agencies maintain maximum accuracy in consumer reports, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which governs fair and accurate debt collection practices. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : Under FCRA Section 611, I have the right to dispute any inaccurate personal information. 
Story : I have never lived at this address, nor do I have any association with it. Its presence on my credit report has caused repeated miscommunication from creditors and reporting agencies. Important letters and notices have gone astray due to this error. Every instance of misdirected correspondence has created unnecessary stress, delayed financial transactions, and unfairly influenced my credit evaluation. This inaccuracy is not a minor clerical errorit reflects negligence in verifying my personal data, and it is imperative that it be removed immediately to prevent further harm. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Wrong Address Law : FCRA Section 611 Story : I have never resided at this apartment. Its reporting as my address has resulted in misrouted correspondence, incorrect assumptions about my residence, and complications in credit verification processes. This repeated inaccuracy is a violation of my consumer rights and must be corrected immediately. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 609, FDCPA Section 807 Story : This account has been reported as charged off incorrectly. I was never given proper notice of any delinquency. The false charge-off has caused significant harm to my credit score, made it more difficult to obtain financing, and has created undue stress. This inaccurate reporting is a direct violation of my rights under FCRA and FDCPA. Immediate correction is necessary to prevent continued financial and emotional harm. 
XXXX XXXX XXXX High Balance : {$800.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 609, FDCPA Section 807 Story : This duplicate entry of a charge-off misrepresents my account history and further compounds the negative impact on my credit score. The repeated false reporting demonstrates a failure to maintain accurate records and has caused additional stress and potential denial of services. Correction is required immediately. 
XXXX XXXX XXXXXXXX High Balance : {$750.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 611 Story : Reporting this account as charged off is completely false. I have no outstanding balance requiring such reporting, and the erroneous entry has harmed my creditworthiness. This misreporting has caused delays in financial approvals and unnecessary inquiries from creditors, demonstrating negligence in reporting practices. Immediate correction is necessary. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$23000.00} Date Opened : XX/XX/XXXXXXXX  Issue : Late Payment Law : FCRA Section 611 Story : Late payments reported for this account are inaccurate. I consistently made timely payments, and the false reporting misrepresents my financial behavior. This has led to a lower credit score, higher interest rates on loans, and unwarranted negative perception by creditors. The ongoing presence of this error is materially harmful and must be corrected immediately. 
XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 611 Story : Reporting this account as a charge-off is entirely inaccurate. I have no outstanding balance that warrants such reporting. The false entry has caused undue stress and misrepresentation of my financial responsibility. Immediate correction is required to restore accuracy and prevent further harm. 
XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 611, FDCPA Section 807 Story : This charge-off is falsely reported. The reporting agency failed to verify the account before reporting, directly violating my rights. The incorrect reporting has harmed my ability to secure loans, impacted my credit score, and caused severe financial stress. Immediate correction and removal are demanded. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA Section 611 Story : Late payments reported are completely inaccurate. I have maintained timely payments, and this error has resulted in negative reporting affecting my credit score and financial opportunities. The reporting agencys failure to verify this information constitutes a violation of my consumer rights. Immediate correction is required. 
XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA Section 611, FDCPA Section 809 Story : This account has been incorrectly reported as a collection. I dispute its validity and demand full verification. The false reporting has harmed my credit score, caused undue stress, and affected my ability to access financial services. Removal of this inaccurate information is mandatory under federal law. 
XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA Section 611, FDCPA Section 809 Story : This account has been reported as a collection incorrectly. I have no outstanding debt under this account, and its inclusion has caused significant damage to my credit score. The repeated reporting of the same account as a collection ( including the XX/XX/XXXX entry ) has amplified the negative impact, creating unnecessary stress, financial limitations, and unwarranted suspicion from potential creditors. Immediate correction and removal of this false information are required. 
XXXX XXXX XXXX XXXX High Balance : {$9400.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA Section 611, FDCPA Section 809 Story : This account is falsely reported as a collection. I have no obligation under this account, and its reporting has led to unwarranted inquiries from creditors, delayed financial approvals, and significant emotional distress. Continued reporting of this inaccuracy constitutes a violation of federal consumer protection laws and must be corrected without delay. 
XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA Section 611, FDCPA Section 809 Story : This account has been reported as a collection incorrectly. I dispute the debts validity and demand full verification. The false reporting has damaged my credit score, restricted access to financial opportunities, and caused undue stress. Federal law mandates removal of such inaccurate information, and I request immediate correction. 
XXXX XXXX XX/XX/XXXX Issue : Hard Inquiry Law : FCRA Section 604 ( a ) Story : This inquiry was made without my permission. Its presence falsely suggests credit activity I did not engage in, causing unnecessary harm to my credit score and financial opportunities. Immediate removal is demanded. 
XXXX XX/XX/XXXX Issue : Hard Inquiry Law : FCRA Section 604 ( a ) Story : This unauthorized inquiry is reported in error and has no permissible purpose. Its impact includes lowered credit score, potential denial of credit, and misrepresentation of my financial behavior. Immediate deletion is required. 
XXXX XXXXXX/XX/XXXX Issue : Hard Inquiry Law : FCRA Section 604 ( a ) Story : I did not authorize this inquiry. Its presence artificially reduces my credit score and misrepresents my financial activity to lenders. Federal law requires its removal. 
XXXX XX/XX/XXXX Issue : Hard Inquiry Law : FCRA Section 604 ( a ) Story : Unauthorized inquiry reported on my credit file. It misleads creditors, lowers my score, and causes unnecessary financial harm. Immediate removal is requested. 
XXXX XX/XX/XXXX Issue : Hard Inquiry Law : FCRA Section 604 ( a ) Story : This inquiry was made without my consent and inaccurately portrays my credit activity. It has a negative effect on my credit score and financial credibility. Immediate removal is required. 

I request that all inaccuracies and unauthorized inquiries be investigated and removed immediately. Failure to correct these entries may result in further legal action to enforce my rights under FCRA and FDCPA. I expect a written response and an updated credit report reflecting accurate information within the timeframe required by law.

Company response to consumer: Closed with explanation