Consumer complaint received 2025-10-22 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccurate and unauthorized entries on my credit report that are negatively affecting my financial standing. These inaccuracies include a wrong address and multiple charge-off accounts. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Reporting inaccurate data is a violation of my rights, and I demand a thorough investigation, correction, or deletion of these erroneous entries. 

Accounts : XXXX XXXX Opened XX/XX/XXXX Balance {$4100.00} Charge-off This account is reported as a charge-off without any verified documentation linking me to the account. FCRA XXXX ( b ) requires credit bureaus to ensure maximum possible accuracy of all reported data. Reporting unverifiable information violates this law and misleads potential creditors. The continued presence of this inaccurate charge-off harms my credit score and financial reputation. XXXX deletion of this account is demanded. 

XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Balance {$5600.00} Charge-off This account is listed as a charge-off, but I have not received any validation, contract, or proof of responsibility for this debt. Under FCRA XXXX ( a ), when a consumer disputes an account, the bureau must conduct a reasonable investigation and delete unverifiable information. Because no verification exists, this account must be removed immediately. Reporting unverifiable debts also violates my rights under XXXX ( a ). 

XXXX XXXX XXXX BANK XXXX Opened XX/XX/XXXX Balance {$970.00} Charge-off This account is inaccurately listed as a charge-off. FCRA XXXX requires furnishers to provide accurate and complete information. The absence of validation renders this account unverifiable, and maintaining it on my report is a violation of federal law. XXXX deletion is necessary to prevent ongoing harm. 

XXXX XXXX BA XXXX Opened XX/XX/XXXX Balance {$0.00} Late Payment This account reflects late payments that are inaccurate and unverifiable. FCRA XXXX ( a ) mandates that furnishers report only accurate information. Reporting unverifiable late payments harms my creditworthiness and misrepresents my payment history. I demand immediate correction or deletion of these entries. 

XXXX XXXX AUTO XXXX XXXX Opened XX/XX/XXXX Balance {$24000.00} Charge-off This account is listed as a charge-off without supporting documentation. FCRA XXXX ( b ) requires maximum possible accuracy. Reporting unverifiable data misleads potential lenders and damages my credit reputation. XXXX deletion is required. 

XXXX  XXXX XXXX OF PA XXXX Opened XX/XX/XXXX Balance {$21000.00} Charge-off This account is inaccurately reported as a charge-off and remains unverified. FCRA XXXX ( a ) mandates removal of unverifiable accounts after a dispute. Maintaining this inaccurate entry continues to harm my credit score and financial opportunities. Deletion is requested immediately. 

XXXX XXXX BANK XXXX Opened XX/XX/XXXX Balance {$7300.00} Collection This account is reported with a future open date, which is impossible and factually incorrect. FCRA XXXX ( a ) ( XXXX ) prohibits the inclusion of false or misleading information. Keeping this account on my report demonstrates a lack of reasonable investigation and violates federal law. XXXX removal is demanded. 

XXXX XXXX A XXXX Opened XXXX XXXX, XXXX Balance {$4300.00} Collection This account is inaccurately reported as a collection. I have not received validation or proof linking me to this debt. Under FCRA XXXX ( a ) ( XXXX ) ( A ), reporting unverifiable or false information is prohibited. Maintaining this entry without validation continues to misrepresent my credit profile. XXXX deletion is required. 

XXXX XXXX BANK NA XXXX Opened XXXX XXXX, XXXX Balance {$1700.00} Collection This account is reported inaccurately. FCRA XXXX ( b ) requires maximum accuracy. Reporting unverifiable debts misleads lenders and harms my credit reputation. I demand immediate deletion of this account. 

CREDIT XXXX BANK NA XXXX Opened XXXX XXXX, XXXX Balance {$570.00} Collection This duplicate entry conflicts with the other XXXX XXXXXXXX account, creating inconsistency and inaccuracy. FCRA XXXX ( b ) prohibits duplicate or conflicting reporting. XXXX deletion is requested to ensure accuracy. 

XXXX  XXXX XXXX A XXXX Opened XX/XX/XXXX Balance {$1200.00} Collection This account is reported inaccurately and unverifiably. FCRA XXXX ( a ) requires reinvestigation of disputed accounts. Lack of verification makes this account a violation of federal law. XXXX deletion is demanded. 

XXXX XXXX XXXX A XXXX Opened XX/XX/XXXX Balance {$1000.00} Collection This account is inaccurately reported and unverifiable. FCRA XXXX ( b ) requires all data to be accurate. Maintaining this account without proper verification harms my credit profile. XXXX removal is requested. 

XXXX XXXX XXXX A XXXX Opened XX/XX/XXXX Balance {$580.00} Collection This duplicate entry is inconsistent with the previous XXXX  XXXX account. Reporting conflicting information violates FCRA XXXX ( b ) and misleads lenders. XXXX deletion is required. 

These inaccurate entries on my credit report are severely damaging and violate federal law. Under FCRA XXXX and XXXX, I am entitled to a full reinvestigation and correction of any inaccurate information. I request that the CFPB intervene to ensure all inaccurate items, including the false address and charge-offs, are corrected or removed promptly to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief