Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
Dear CFPB, I am submitting this complaint against the credit reporting agencies and the furnishers listed below for reporting inaccurate collection accounts and multiple unauthorized inquiries on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). 
Disputed Accounts and Inquiries : XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment I dispute this late payment entirely because I have never been late on this account. Reporting me as late is an error that damages my payment history and creditworthiness. Under FCRA 611, inaccurate payment history must be corrected immediately. This is a violation of my rights and I demand correction to reflect an on-time payment history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Charge Off This is another account being falsely reported as a charge off. I have no knowledge of this account, and the balance and history can not be verified. Reporting this item violates FCRA 602 and FDCPA regulations against misleading and inaccurate reporting. I demand its immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$780.00} Date Opened : XX/XX/XXXX Charge Off This charge off is fraudulent and I have never had any financial relationship with this bank. Continuing to report such unverifiable debt is a direct violation of FCRA 609 ( a ) and 611. If you can not provide verifiable signed documentation, this account must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$56000.00} Date Opened : XX/XX/XXXX Charge Off This extremely high balance is completely false and misleading. I never had such an account or such a loan with XXXX. Reporting this without proof is highly damaging and unlawful. Under FCRA 607 ( b ), only accurate information may be reported. Since this can not be verified, it must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$30000.00} Date Opened : XX/XX/XXXX Charge Off I dispute this charge off completely. I have no knowledge of such an account and have never received verifiable documents that prove this debt belongs to me. Reporting a charge off without proper verification violates FCRA 611 ( a ) ( 1 ) ( A ). If you can not provide proof with original signed documentation, this account must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$2600.00} Date Opened : XX/XX/XXXX Collection I dispute this collection account as I have no knowledge of it and no agreement with this agency. The alleged balance is unverifiable, and reporting it violates FCRA 609 and FDCPA guidelines against reporting unverified debts. If the furnisher can not produce proper evidence of this account, it must be deleted. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Collection This XXXX account is being reported in error. I have never opened or authorized this account, nor have I received validation of the alleged debt. Reporting unverifiable debts violates FCRA 602 and FDCPA 807. I demand immediate deletion of this account. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. XXXX has not provided original signed documents proving ownership of this debt. Under FCRA 611 ( a ) ( 5 ) and FDCPA validation requirements, unverifiable collections can not remain on a credit report. This account must be deleted immediately. 
XXXX XX/XX/XXXX Inquiry I dispute this inquiry as fraudulent and unauthorized. I have not done business with XXXX and never authorized them to access my credit file. FCRA 604 requires permissible purpose, and since no proof exists, this inquiry must be deleted. 
Summary of Complaint : The credit bureaus are reporting multiple false collection accounts and several unauthorized inquiries on my credit report. These items are inaccurate, unverifiable, and harmful to my credit profile. The furnishers and bureaus have failed to comply with their obligations under FCRA 607 ( b ) ( accuracy ), 609 ( disclosure ), and 611 ( dispute resolution ). In addition, reporting and attempting to collect unverifiable debts violates FDCPA provisions. 
Relief Sought : Immediate removal of all inaccurate collection accounts listed above.

Permanent deletion of all unauthorized inquiries listed above.

Investigation into the practices of the furnishers reporting unverifiable information.

Enforcement action to ensure compliance with the FCRA and FDCPA.

I respectfully request that the CFPB investigate these violations and take appropriate action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief