Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
I am filing this formal complaint regarding several accounts and inquiries that are being reported inaccurately, incompletely, or in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Under FCRA 602 ( A ), Congress recognized the need for consumer reporting agencies to ensure maximum accuracy of information contained in consumer reports. The continued reporting of false, unverifiable, or misleading information directly violates FCRA 607 ( b ) ( reasonable procedures to assure maximum possible accuracy ) and FCRA 611 ( consumers right to dispute and have inaccurate information corrected or deleted ). 

Disputed Accounts and Issues XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Charge Off XXXX XXXX  This account is being reported as a charge-off despite no full validation of debt or lawful notice being provided. Reporting a charge-off without accurate substantiation is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ) ( false representation of the character or status of a debt ). 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX This account reflects late payments even though the balance is reported as {$0.00}. Reporting lates on a {$0.00} balance account is contradictory, misleading, and fails the maximum accuracy standard under FCRA 607 ( b ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$130.00} Late Payment XXXX XXXX This furnisher is reporting late payments without validating billing records or proof of proper notice. This is inaccurate reporting under FCRA 623 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Charge Off * * This charge-off is being reported without a lawful chain of assignment or verification. If the account was sold, both the original and subsequent furnishers can not continue to report without validation. This constitutes double jeopardy reporting, which is prohibited under FCRA 623 ( a ). 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10.00} Late Payment * * Reporting late payments on such a nominal account is misleading and punitive, especially when no proper validation or billing history has been provided. This creates an inaccurate portrayal of consumer creditworthiness. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Charge Off * This account is being reported as charged-off with no proof of default, billing statements, or validation. This constitutes inaccurate reporting under FCRA 609 ( a ) ( right to documentation ) and FCRA 611 ( a ) ( duty to reinvestigate disputed information ). 

XXXX XXXX Inquiry dated XX/XX/XXXX XXXX Inquiry dated XX/XX/XXXX These inquiries are appearing without permissible purpose under FCRA 604 ( a ). Any inquiry lacking consumer consent or proper authorization is unlawful and must be removed immediately. 

Legal Violations and Harm These furnishers and credit reporting agencies are violating multiple provisions of federal law : FCRA 607 ( b ) : Failure to maintain accuracy. 

FCRA 611 : Failure to conduct reasonable reinvestigation.

FCRA 609 ( a ) : Failure to provide documentation upon request.

FCRA 623 ( a ) : Furnishing information known to be inaccurate.

FDCPA 807 : Misrepresentation of debt status. 

These inaccuracies have caused harm to my creditworthiness, resulting in denials, higher interest rates, and financial/emotional distress. 

Requested Relief I am demanding the immediate deletion of the above-listed accounts and inquiries from all consumer reporting agencies. If verification can not be provided with full supporting documentation, the law requires removal. I request that the CFPB take immediate enforcement action to ensure compliance with federal law and to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief