Consumer complaint received 2025-11-12 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 Representative, I am submitting this complaint because several inaccurate collection accounts and unauthorized hard inquiries are being reported on my credit file by various creditors and data furnishers. These negative items are seriously affecting my creditworthiness and appear to violate the Fair Credit Reporting Act ( FCRA ), particularly Sections 604, 609, and 611, which govern accuracy, permissible purpose, and the right to dispute and verify information. 
Despite my repeated attempts to obtain verification from the credit bureaus and furnishers, the information remains uncorrected. Below are the specific items I am disputing : XXXX XXXX XXXX Jewelers Account No. XXXXXXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : This account is marked as a charge off, which is incorrect. I have no record or knowledge of this account. Please provide full verification or remove it immediately. 
XXXX XXXX Account No. XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Issue : This account shows late payments, which is inaccurate. I have never made any late payments on this account. Please correct the payment history to reflect on-time payments. 
XXXX XXXX Account No. XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Issue : This account is also incorrectly reported with late payments. I demand verification or correction to remove the false late payment entries. 
XXXX XXXX XXXX Account No. XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : This account is reported with late payments, which is incorrect. I have consistently made timely payments. Please investigate and correct this inaccurate reporting. 
XXXX XXXX XXXX XXXX Account No. XXXX High Balance : {$30000.00} Date Opened : XX/XX/XXXX Issue : This account shows late payments that are false. I request verification and correction of the payment history. 
XXXX XXXX Account NoXXXX XXXX XXXX XXXX  High Balance : {$400.00} Date Opened : XX/XX/XXXX Issue : This account is reported as a charge off, but I have no knowledge of it. Please delete if it can not be verified. 
XXXX XXXX XXXX Account No. XXXX XXXX XXXX High Balance : * * {$2100.00} Date Opened : XX/XX/XXXX Issue : This account is listed as a collection, but I have no knowledge or record of this debt. I have never had any relationship with this company. Please delete this entry if it can not be fully verified with original documentation. 
XXXX XXXX Account No. XXXX High Balance : * * {$150.00} Date Opened : XX/XX/XXXX Issue : This is an alleged collection account that is not mine. I have never authorized or entered into any agreement with XXXX XXXX. I demand verification from the original creditor ; otherwise, it must be removed. 
Unauthorized Hard Inquiries The following inquiries appear on my report without my authorization or consent. Under the FCRA Section 604, only permissible purpose inquiries are allowed. I am requesting immediate removal of these unauthorized inquiries : XXXX XXXX XX/XX/XXXX These inquiries were not initiated or approved by me. Please provide documentation proving that I authorized each inquiry. If such evidence can not be produced, all must be deleted from my credit file immediately. 
Relief Requested I am requesting that the CFPB : XXXX. Investigate these reporting furnishers and ensure full compliance with the FCRA and FDCPA. 
XXXX. Require the furnishers and credit reporting agencies to provide documented proof that these accounts and inquiries are valid and were authorized by me. 
XXXX. If proper documentation can not be provided, I request that all disputed collection accounts and inquiries be permanently deleted from my credit file. 
These inaccurate and unauthorized items are damaging my credit standing and causing unnecessary hardship. I have enclosed identifying information and supporting documents ( such as a copy of my ID and proof of address ) to assist with verification. 
Thank you for your attention to this matter. I trust the CFPB will help ensure fair and accurate credit reporting as required by federal law.

Company response to consumer: Closed with non-monetary relief