Consumer complaint received 2025-11-07 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 Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX, Equifax, and XXXX for willful noncompliance and failure to maintain accurate credit reporting as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, the credit bureaus continue to report false, unverifiable, and unauthorized information on my credit file. These errors are causing substantial harm to my credit profile and reputation. 
Below, I have detailed the specific inaccurate and unauthorized items being reported : ACCOUNT DISPUTES : Below are the accounts that are inaccurately reported. I request immediate investigation and correction under FCRA 602, 607 ( b ), 609 ( a ), and 611 ( a ). Each creditor listed below is reporting wrong, incomplete, or unverifiable information that does not reflect my true credit history. 
XXXX XXXX High Balance : {$8800.00} | Date Opened : XX/XX/XXXX Issue : This account is reporting as a Charge Off, which is inaccurate. I have no knowledge of this debt, no signed agreement, and no verified documentation proving this belongs to me. This must be deleted under FCRA 611 as unverifiable. 
XXXX XXXX High Balance : {$600.00} | Date Opened : XX/XX/XXXX Issue : Inaccurate Late Payment status. I have never missed a payment or defaulted on this account. I request that this error be corrected immediately. 
XXXX XXXX High Balance : {$2100.00} | Date Opened : XX/XX/XXXX Issue : False Late Payment report. This account has no valid record of delinquency, and no proof has been provided. Please update to Paid as Agreed or remove the late mark. 
XXXX XXXX High Balance : {$3900.00} | Date Opened : XX/XX/XXXX Issue : Marked as Charge Off. I dispute this completely I never authorized or owned any such account. No contract or verified account documentation exists. This must be deleted immediately under FCRA 611 ( a ) ( 5 ). 
XXXX XXXX High Balance : {$3900.00} | Date Opened : XX/XX/XXXX Issue : Reported Late Payment is false. Please verify with original creditor records and update accordingly. 
XXXX XXXX XXXX High Balance : {$6600.00} | Date Opened : XX/XX/XXXX Issue : Listed as Charge Off. I have no knowledge of this debt, no verified contract, and no record linking me to this account. This item is unverifiable and must be deleted immediately under FCRA 611 ( a ) ( 5 ). 
XXXX XXXX High Balance : {$7400.00} | Date Opened : XX/XX/XXXX Issue : Reporting as Charge Off without valid proof of ownership or any signed documentation. I have never received any billing or account notice from this creditor. Delete this unverifiable entry under FCRA 602 and 607 ( b ). 
XXXX XXXX High Balance : {$1100.00} | Date Opened : XX/XX/XXXX Issue : Incorrect Late Payment reporting. I have always maintained timely payments and theres no legitimate evidence proving any delinquency. Please reinvestigate and correct the payment history to reflect Paid as Agreed under FCRA 611. 
XXXX XXXX XXXX High Balance : {$10000.00} | Date Opened : XX/XX/XXXX Issue : Falsely showing Late Payment. I have consistently made payments on time and never been notified of any missed payments. Please verify or correct immediately under FCRA 607 ( b ). 
XXXX XXXX High Balance : {$7500.00} | Date Opened : XX/XX/XXXX Issue : Showing Late Payment which is inaccurate. I have maintained this account in good standing, and any negative marking is false. Please remove all derogatory payment indicators or update to Never Late. 
XXXX XXXX High Balance : {$2100.00} | Date Opened : XX/XX/XXXX Issue : Incorrectly reported Late Payment. There is no evidence or billing record indicating any delinquency. This must be verified or corrected to reflect accurate on-time history. 
XXXX XXXX High Balance : {$36000.00} | Date Opened : XX/XX/XXXX Issue : Reported as Charge Off. I have no record, contract, or account matching this information. No documentation has ever been provided to verify this debt. This account must be deleted as unverifiable. 
XXXX XXXX XXXX High Balance : {$50000.00} | Date Opened : XX/XX/XXXX Issue : Falsely listed as Charge Off. I have never opened, authorized, or defaulted on any XXXX XXXX XXXX XXXX account. Please delete immediately under FCRA 611 ( a ) for unverifiable and inaccurate reporting. 
XXXX XXXX High Balance : {$3500.00} | Date Opened : XX/XX/XXXX Issue : False Late Payment marking on student loan history. I have made timely payments and request full reinvestigation under FCRA 611. 
XXXX XXXX High Balance : {$4500.00} | Date Opened : XX/XX/XXXX Issue : Reported as Charge Off. I have no knowledge of this debt and have never authorized or signed for any such account. There is no contract or billing history to verify this belongs to me. This must be deleted immediately under FCRA 611 ( a ) ( 5 ) as unverifiable. 
XXXX XXXX High Balance : {$8200.00} | Date Opened : XX/XX/XXXX Issue : Reported as Late Payment. This is false and misleading. I have never missed or delayed payments with this creditor. Please reinvestigate and correct this entry to reflect an on-time payment history under FCRA 607 ( b ). 
XXXX XXXX High Balance : {$11000.00} | Date Opened : XX/XX/XXXX Issue : Incorrectly listed as Charge Off. I have no such account or any proof connecting me to this alleged debt. I demand deletion unless verified with signed documentation and full payment records. 
XXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX Issue : Showing as Charge Off with XXXX balance, which makes no logical sense and indicates inaccurate data reporting. There is no verifiable debt associated with this entry. Please delete under FCRA 611 ( a ) as unverifiable and misleading.

UNAUTHORIZED INQUIRIES Under FCRA 604 ( a ) ( 3 ), a creditor or institution must have permissible purpose before making any inquiry on a consumers credit file. I did not authorize or consent to the inquiries listed below. These inquiries are damaging to my credit profile and were made without proper authorization or any legitimate business need. 
XXXX XX/XX/XXXX Unauthorized Hard Inquiry XXXX  XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry I have no record of applying for any credit or vehicle financing on or near these dates. These inquiries were performed without my permission, and each one violates FCRA 604 ( a ) ( 2 ) & 607 ( a ). I demand that these unauthorized inquiries be removed immediately and that you provide the original request details for each inquiry, including the name and address of the party who accessed my report. 
Violations Committed XXXX. Failure to maintain maximum accuracy FCRA 607 ( b ) XXXX. Failure to reinvestigate within 30 days FCRA 611 ( a ) ( 1 ) XXXX. Reporting unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) XXXX. Allowing unauthorized access to credit file FCRA 604 ( a ) ( 3 ) XXXX. Failure to delete unverifiable information after reinvestigation FCRA 611 ( a ) ( XXXX ) These repeated violations have caused significant harm to my financial credibility and emotional distress. I have acted in good faith by providing the bureaus sufficient opportunity to correct these inaccuracies, but they have failed to comply with federal law. 
Requested Relief I respectfully request the CFPB to : XXXX. Conduct a full investigation into Experian, Equifax, and TransUnion for FCRA noncompliance. 
XXXX. Order immediate deletion of all inaccurate and unverifiable accounts listed above. 
XXXX. Remove all unauthorized hard inquiries. 
XXXX. Enforce corrective measures to ensure future accuracy and compliance. 
XXXX. Provide a written update confirming the outcome of this complaint and proof of corrective action. 
I am including copies of my identification, recent proof of address, and documentation of prior disputes as evidence. I trust that the CFPB will take prompt and appropriate action to ensure that these credit reporting agencies adhere to the law.

Company response to consumer: Closed with non-monetary relief