Consumer complaint received 2025-10-27 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:
This letter serves as an official complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) against the credit reporting agencies and the furnishers listed below for failing to maintain accurate and verifiable information on my credit report. Despite my efforts to resolve these issues directly through dispute letters, the inaccuracies remain uncorrected and are causing ongoing harm to my creditworthiness and reputation. 

Account Disputes : XXXX XXXX High Balance : {$2600.00} | Date Opened : XX/XX/XXXX Status : Charge-Off I have no knowledge of this account, and it was never authorized or opened by me. Under FCRA 602 ( A ) and 611, you are required to verify the source and provide the method of verification. If the furnisher can not produce signed documentation showing I am responsible, this must be deleted immediately. 
XXXX XXXX XXXX High Balance : {$7700.00} | Date Opened : XX/XX/XXXX Status : Late Payment The late payment history being reported is inaccurate and false. I have never been late on this account. I am demanding immediate correction of the payment history under FCRA 611 ( A ) and 607 ( B ) for accuracy and completeness. 
XXXXXXXX XXXX XXXX  XXXX High Balance : {$330.00} | Date Opened : XX/XX/XXXX Status : Charge-Off This account is unknown to me. I never opened or authorized any account with this creditor. Reported data is unverified and invalid. Delete immediately under FCRA 611 ( A ) ( 1 ) ( A ) for failure to properly verify. 
XXXX XXXX XXXX  High Balance : {$0.00} | Date Opened : XX/XX/XXXX Status : Charge-Off This account is not mine and appears to have been reported in error. There is no legitimate connection between me and this furnisher. Please delete immediately under FCRA 604 ( A ) and 611. 
XXXX XXXX XXXX XXXX High Balance : {$24000.00} | Date Opened : XX/XX/XXXX Status : Charge-Off This account was never opened or authorized by me. It appears to be an error or possible identity mix-up. Please investigate and delete under FCRA 611 and 605B ( Identity Theft Provision ) if unverifiable. 
XXXX XXXX XXXX XXXX High Balance : {$22000.00} | Date Opened : XX/XX/XXXX Status : Charge-Off This is another duplicate account being falsely reported by the same furnisher. It must be deleted immediately to ensure accurate reporting under FCRA 607 ( B ). 
XXXX XXXXXXXX XXXX XXXX : {$8100.00} | Date Opened : XX/XX/XXXX Status : Late Payment The late payment data reported under this account is inaccurate and unverifiable. I have never made any late payments to this creditor. Reporting such false information violates FCRA 607 ( B ) which requires maximum accuracy in reporting. I demand that the late payment history be immediately corrected to reflect on-time payments or removed entirely if not verifiable within 30 days. 
XXXX XXXX XXXX XXXX High Balance : {$12000.00} | Date Opened : XX/XX/XXXX Status : Late Payment This account is reporting false late payments that never occurred. I request immediate reinvestigation under FCRA XXXX ( A ) and XXXX ( A ). The creditor must provide documented proof of any alleged late payments. If this can not be verified through signed records or payment history, the inaccurate notations must be deleted immediately. 
XXXX XXXX XXXX XXXX High Balance : {$6900.00} | Date Opened : XX/XX/XXXX Status : Late Payment This is a duplicate and erroneous entry with false late payment information. I never made any late payments on this account. Please investigate and correct this under FCRA 607 ( B ) and 611 ( A ) for accuracy and fairness. 
XXXX XXXX XXXX XXXX High Balance : {$3200.00} | Date Opened : XX/XX/XXXX Status : Collection I have no knowledge of this account, and I have never had any business relationship with XXXX XXXX XXXX. This appears to be a case of erroneous or identity-mixed reporting. Under FCRA 611 ( A ) and 604 ( A ), I demand full deletion of this unverifiable collection entry. If the furnisher can not produce signed proof of ownership or a valid contract, the account must be deleted immediately. 
XXXX Disputes : XXXX XXXX XX/XX/XXXX This inquiry was unauthorized. I did not apply for any credit or authorize this creditor to pull my report. Remove this immediately under FCRA 604 ( A ) ( 2 ) and 615 for impermissible access. 
XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry was unauthorized and impermissible. I demand its immediate removal as it was made without my consent. This violates FCRA 604 ( A ). 
I am requesting that the CFPB investigate these matters as violations of the FCRA and hold both the furnishers and credit reporting agencies accountable for their continued negligence and inaccurate reporting. These actions have caused emotional distress, denial of credit opportunities, and damage to my financial reputation. 
I demand the following corrective actions : 1. Removal or correction of all unverified or inaccurate accounts listed above.

2. Removal of all unauthorized inquiries from my credit file.

3. Written confirmation of the results of your investigation and any enforcement actions taken.

Under FCRA 611 ( A ) ( 1 ) ( A ), I am entitled to an accurate and fair credit report. Continued noncompliance will leave me with no choice but to pursue further action for willful violation under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief