Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against several creditors and debt collectors who are reporting inaccurate, unverifiable, and damaging information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. These erroneous entries are severely impacting my creditworthiness, financial stability, and access to fair credit. 

Below are the disputed accounts and inquiries currently being reported : XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Status : Late Payment XXXX XXXX This account is reporting late payments without proper validation or proof of accuracy. No complete payment history or contractual agreement has been provided. 

XXXX Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2300.00} Status : Collection XXXX XXXX This debt is reported as a collection, but the agency has failed to provide validation, chain of custody, or original signed contract. Reporting without validation violates 15 U.S.C. 1692g ( b ). 

XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$470.00} Status : Charge Off XXXX XXXX No documentation has been provided to substantiate this charge-off. Additionally, the reporting practices appear inconsistent across bureaus. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Status : Charge Off XXXX XXXX  This tradeline is highly questionable. No verifiable documentation has been supplied. The reporting may involve inaccurate balance and payment history entries. 

XXXX XXXX Account XXXX XXXX XXXX XXXX  Date Opened XXXX XXXXXX/XX/XXXX High Credit : {$630.00} Status : Charge Off XXXX XXXX This account remains unverifiable, and XXXX XXXX has not provided the original signed agreement or proof of liability. 

ALERT : Inquiries Dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These inquiries were made without my authorization. I have not applied for any auto loan or related credit with these entities. Unauthorized hard inquiries are a violation of the FCRA. 

Violations and Concerns : Failure to provide proper validation of debts ( FDCPA 809 ).

Reporting inaccurate, outdated, or unverifiable information ( FCRA 611 and 623 ).

Unauthorized and excessive inquiries damaging my credit score.

Continued furnishing of negative tradelines without evidence of consumer liability.

Requested Relief : I respectfully request the following actions from the CFPB : Compel the above-named furnishers and credit reporting agencies to conduct a full investigation and provide documented proof of accuracy and consumer liability.

Remove or correct any and all unverifiable, inaccurate, or unauthorized accounts and inquiries.

Ensure all creditors and collectors cease unlawful reporting practices that harm consumers.

Provide me with a written update of all corrective actions taken.

Company response to consumer: Closed with explanation