Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am filing this complaint against Equifax because they continue to report several inaccurate and unverified accounts on my credit file, even after I have submitted multiple formal disputes, including a recent Round 5 dispute. Despite my repeated efforts to follow the proper dispute process under the Fair Credit Reporting Act ( FCRA ), Equifax has failed to provide the verification required by law and continues to allow harmful, unproven information to remain on my credit report.

One of the disputed accounts is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which Equifax is reporting as a charge-off with a high balance of {$5400.00}. I have no recollection of this account being charged off, and I have never received a copy of a signed contract, full billing history, or any legitimate validation of this debt. My previous requests for verification have been ignored or answered with vague template letters. Under FCRA 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ), I have a legal right to receive the original source documentation being used to verify this account, and that has not happened. 

Another account being wrongfully reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXX a recent account showing a high credit of {$710.00} with late payments. This account was supposedly opened on XX/XX/2024, but I have no knowledge of ever initiating such an account with either XXXX XXXX or XXXX XXXX. I have never received any bills, statements, or collection notices related to this debt. The reporting appears either to be the result of identity confusion or a file merge error, and Equifax has done nothing to confirm the validity of this information or remove it from my file. This is a direct violation of FCRA 607 ( b ), which requires that credit bureaus ensure the accuracy and integrity of the data they report. 

The third disputed account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as a charge-off with a high balance of {$6800.00}. I have requested verification of this account multiple times and have never received any supporting documentation. I was never notified by the creditor about this charge-off, nor have I acknowledged or agreed to this balance. Experian has not complied with my right to receive the method of verification or documentation, as required under FCRA 609 ( a ) ( 1 ).

These accounts are causing serious damage to my creditworthiness, resulting in denials of credit, increased interest rates, and personal hardship. I have acted in good faith to dispute them properly, but Equifax continues to ignore its legal responsibility to remove unverifiable or inaccurate information. According to FCRA 611 ( a ) ( 5 ), any information that can not be verified must be deleted from the consumers file, yet Equifax has not done so. 

I am requesting that the CFPB investigate this matter and hold Equifax accountable for failing to comply with the law. Unless Equifax can provide signed contracts, complete billing statements, and actual proof that I am responsible for these accounts, they must be permanently deleted. I have not yet filed a complaint with the FTC or taken legal action, but I am prepared to do so if necessary.

Company response to consumer: Closed with explanation