Consumer complaint received 2025-09-25 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:
Dear CFPB, I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit report. The following accounts and inquiries are in dispute : XXXX  XXXX XXXXXXXX XXXX  Late Payment XXXX XXXX  High Balance : {$780.00} | Date Opened : XX/XX/XXXX This account is reporting late payments that are inaccurate and unverifiable. I dispute the validity of these late payment notations because XXXX XXXX has failed to provide proof of timely billing statements and proper notice. Under FCRA 611 ( a ) I have the right to dispute inaccurate information and the furnisher must conduct a reasonable investigation. Reporting unverified late payments severely harms my credit profile and misrepresents my payment history. I request deletion of these inaccurate late payment records. 
XXXX XXXXXXXX * * XXXX * * High Balance : {$1400.00} | Date Opened : XX/XX/XXXX This account is being reported as a charge-off, but this information is incomplete and misleading. Target/TD has not provided validation of the alleged debt balance nor documentation of accurate reporting. According to FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report information they know or have reasonable cause to believe is inaccurate. Additionally, under FDCPA 809, I have the right to request validation of the alleged debt. Since no validation has been provided, this charge-off should be deleted immediately. 
XXXX XXXX XXXX * Chargeoff * * High Balance : {$2500.00} | Date Opened : XX/XX/XXXX This charge-off is inaccurate, incomplete, and unverified. XXXX XXXX has failed to provide evidence of the alleged delinquency, statements, or proper accounting of this balance. The reporting of charge-offs without full documentation is a violation of FCRA 602 ( A ), which stresses the importance of accurate reporting. This negative account is misleading and damaging, and I request its immediate deletion. 
XXXX XXXX XXXX * Chargeoff * * High Balance : {$3200.00} | Date Opened : XX/XX/XXXX This is another charge-off from XXXX XXXX that appears duplicative and inconsistent. Reporting duplicate or inconsistent negative accounts violates FCRA 602 ( b ) and creates an unfair credit disadvantage. No proper validation has been provided for this charge-off. I dispute this account in its entirety and request deletion. 
XXXX  XXXX * * XXXX * * High Balance : {$1400.00} | Date Opened : XX/XX/XXXX This charge-off account is inaccurate and unverifiable. XXXX XXXX  has failed to provide account-level documentation or statements proving the validity of this alleged debt. Under FDCPA 809 ( b ) I have the right to request full validation, which has not been provided. Continuing to report without validation is unlawful. I request deletion. 
XXXX XXXX XXXX * Chargeoff * * High Balance : {$3600.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off, yet Capital One has failed to provide verifiable documentation or proper validation of the alleged delinquency. Reporting unverifiable negative accounts is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate information. I dispute the accuracy and request its deletion. 
XXXX XXXX XXXX * * High Balance : {$1700.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off but remains unverified and incomplete. XXXX XXXX has not provided billing statements, contracts, or proof of ownership. Reporting without substantiated documentation violates FCRA 607 ( b ), which requires maximum accuracy in reporting. This charge-off should be removed immediately. 
XXXX XXXX XXXX Chargeoff * * High Balance : {$1900.00} | Date Opened : XX/XX/XXXX This charge-off account is inaccurate and unverifiable. XXXX XXXX  has not supplied full validation of the alleged debt, in violation of FDCPA 809 ( b ), which gives me the right to request validation before continued reporting. Since no proof has been provided, this entry should be deleted. 
XXXX XXXX * XXXX * * High Balance : {$1700.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off with insufficient supporting records. Reporting incomplete or unverifiable negative accounts violates FCRA 611 ( a ), which requires a reasonable reinvestigation when disputed. As the creditor has not validated this account, I demand deletion. 
XXXX XXXXXXXX * XXXX * * High Balance : {$2200.00} | Date Opened : XX/XX/XXXX This charge-off is inaccurate and misleading. No account-level documentation, contracts, or payment history has been provided to verify its accuracy. Furnishing unverified information violates FCRA 602 ( a ), which stresses the need for fair and accurate reporting. This account must be removed. 
XXXX XXXX * * XXXX * * High Balance : {$6300.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off but lacks validation and proper documentation. XXXX XXXX has not provided statements or proof of delinquency. Reporting unverifiable charge-offs constitutes a violation of FCRA 607 ( b ). I dispute this account in full and demand its deletion. 
XXXX XXXX XXXX XXXXXXXX Chargeoff * * High Balance : {$2000.00} | Date Opened : XX/XX/XXXX This charge-off is being reported without validation. XXXX XXXX XXXX  has failed to provide contract agreements or payment history supporting this entry. Reporting unverifiable data violates FCRA 623. I dispute the accuracy and request deletion. 
XXXX XXXX XXXX * Chargeoff * * High Balance : {$730.00} | Date Opened : XX/XX/XXXX This XXXX XXXX XXXX  account is listed as a charge-off but remains unverified. No evidence of delinquency, original account records, or billing history has been provided. Under FDCPA 809 and FCRA 611 ( a ), I have the right to dispute and request validation, which has not been honored. I request deletion. 
XXXX XXXX XXXX * Chargeoff * * High Balance : {$27000.00} | Date Opened : XX/XX/XXXX This account is reported as a charge-off without providing proper documentation. XXXX XXXX has failed to validate the accuracy of this alleged balance. Reporting unverifiable charge-offs violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or unverified information. I dispute this account in full and request deletion. 
XXXX XXXX XXXX XXXX * * High Balance : {$870.00} | Date Opened : XX/XX/XXXX This charge-off account is inaccurate and misleading. No billing statements or signed agreements have been provided to support this reporting. Furnishing unverifiable information is a violation of FCRA 607 ( b ), which requires maximum possible accuracy. This account must be removed immediately. 
XXXX XXXX XXXX * Chargeoff * * High Balance : {$3500.00} | Date Opened : XX/XX/XXXX This XXXX XXXX account is being reported as a charge-off but remains unverified. No proof of delinquency, ownership, or balance accuracy has been provided. Reporting such data without validation violates FCRA 611 ( a ), which requires a reasonable reinvestigation upon dispute. I request deletion. 
XXXX XXXX XXXX * * * * Late Payment * * High Balance : {$37000.00} | Date Opened : XX/XX/XXXX This auto loan account reflects late payments that are inaccurate and unverifiable. XXXX XXXX has not provided sufficient evidence to support these late notations. Under FCRA 602 ( a ), creditors must report fairly and accurately. Late payments that can not be validated must be deleted to avoid misleading reporting. 
XXXX XXXX XXXX XXXX * Collection * * High Balance : {$300.00} | Date Opened : XX/XX/XXXX This collection account is reported by XXXX Funding but remains unverified. Under FDCPA 809 ( b ), I have the right to request full debt validation, which has not been provided. Reporting collections without validation violates both FCRA and FDCPA. I request deletion. 
XXXX XXXX XXXX XXXX * Collection * * High Balance : {$870.00} | Date Opened : XX/XX/XXXX This is another XXXX Funding account reported as a collection. The information is unverified and duplicative. Reporting duplicate or unverifiable collections is inaccurate under FCRA XXXX ( b ). This account must be removed. 
XXXX  XXXX * Collection * * High Balance : {$2200.00} | Date Opened : XX/XX/XXXX This XXXX XXXX account is being reported as a collection without proper validation. XXXX has not provided contracts, billing statements, or chain of title to prove ownership of this debt. Reporting unvalidated debts violates FDCPA 809. I dispute this account and demand deletion. 
XXXX  XXXX * * Collection * * High Balance : {$2800.00} | Date Opened : XX/XX/XXXX This account is reported as a collection by XXXX  XXXX, yet no supporting documents have been produced to validate its accuracy. Continuing to report without validation violates FCRA 623 and FDCPA 809 ( b ). I request immediate deletion. 
XXXX XXXX XXXX * Collection * * High Balance : {$9100.00} | Date Opened : XX/XX/XXXX This collection account is extremely damaging, yet no validation has been supplied to support it. Reporting unverifiable high-balance collections is misleading and unlawful under FCRA 611 ( a ), which requires reasonable reinvestigation when disputed. I dispute this entry and request deletion. 
XXXX XXXX XXXX Collection * * High Balance : {$300.00} | Date Opened : XX/XX/XXXX This XXXX Funding account is unverified. XXXX has not provided contracts, billing records, or evidence of ownership. Reporting collections without proof violates FDCPA 809. I demand immediate deletion. 
XXXX XXXX XXXX * Collection * * High Balance : {$870.00} | Date Opened : XX/XX/XXXX This account appears duplicative of other LVNV entries and remains unverified. Reporting duplicate or unverifiable accounts violates FCRA 607 ( b ). This must be removed immediately. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is being reported without my consent or permissible purpose. Unauthorized access of my credit file is a violation of FCRA 604 ( a ) ( 3 ). I dispute this and demand deletion.

Requested Resolution I respectfully request the CFPB to : Investigate these furnishers and require them to provide full validation of the alleged debts.

Remove any account or inquiry that can not be 100 % verified with proper documentation.

Hold the reporting agencies accountable for failing to maintain maximum possible accuracy.

Ensure that I am provided with written confirmation of deletions or corrections.

Legal References Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Accuracy, permissible purpose, and reinvestigation requirements.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Prohibits deceptive collection and reporting practices.

CFPB Authority To enforce compliance and protect consumers from abusive and inaccurate reporting.

I urge the Bureau to take immediate action to investigate these violations and ensure my consumer rights are upheld.

Company response to consumer: Closed with non-monetary relief