Consumer complaint received 2025-11-08 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:
I am submitting this formal complaint regarding several inaccurate, unverifiable, and misleading entries being reported on my credit file by multiple creditors and collection agencies. These items are causing significant harm to my creditworthiness and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my prior attempts to have these accounts verified and corrected with the credit bureaus, the information continues to be reported incorrectly. I am requesting the CFPB to investigate these matters thoroughly and ensure that these inaccurate accounts are removed or corrected immediately. 

Below are the disputed items : Inaccurate Late Payment Accounts These creditors are reporting late payments that never occurred. I have never been late on these accounts, and no verified documentation has been provided to prove otherwise : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payment notations are false and unverified, and they must be corrected immediately as required under FCRA 602 ( A ) and 611.

Charge-Off Accounts with No Knowledge or Verification The following charge-off accounts are not mine and were never authorized by me. I have no knowledge of these accounts and demand that they be deleted unless verifiable documentation with my authentic signature and contractual agreement is provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 604 and 609, I have the right to full verification of these accounts. Until such verification is provided, they must be immediately removed from my credit reports. 

Collection Accounts with No Knowledge or Proof These collection accounts are being reported without any notice, contract, or supporting documentation. I do not recognize these debts and therefore dispute them in their entirety : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collectors have failed to provide debt validation as required under FDCPA 809 ( 15 U.S.C. 1692g ), and therefore these accounts should not be reported to any credit bureau.

Unfamiliar Credit Inquiries The following inquiries appear on my credit report without my authorization and should be investigated as potential identity misuse : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand that these unauthorized inquiries be removed immediately under FCRA 604 ( a ) ( 2 ).

Requested Resolution I am requesting the CFPB to : Conduct a full investigation into these reporting entities. 

Require each furnisher to provide proper documentation validating these accounts. 

Instruct all credit reporting agencies to remove or correct any unverifiable, inaccurate, or unauthorized information. 

Ensure compliance with all provisions of the FCRA and FDCPA. 

These inaccuracies have negatively impacted my credit standing and caused emotional and financial distress. I expect a prompt and thorough response to this complaint.

Company response to consumer: Closed with non-monetary relief