Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple inaccurate and unverifiable items appearing on my credit report. These entries include charge-offs, collections, and late payment histories that are either false or not supported by any verified documentation. Despite my good faith efforts to maintain accurate records, these errors are negatively affecting my creditworthiness. 
Below are the specific accounts in question and the details of the inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Charge Off I have no knowledge of this account being charged off. I have never received any notice of default, nor did I stop making payments that would justify this status. Please provide proper documentation including the original signed application, complete payment history, and any correspondence allegedly sent to me. If you can not validate this information with certified evidence, please delete the account entirely from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} Reported as Charge Off I have no recollection of this account being charged off, nor have I received any charge-off notice or communication from the creditor. I request that you provide documented proof of ownership, payment records, and any evidence of default. If this can not be verified beyond doubt, please delete the account immediately as inaccurate reporting can cause significant financial harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as Charge Off I do not recognize this charge-off, nor was I ever notified about such an action by XXXX. Please provide full proof of this alleged default, including detailed statements and written notice. If this account can not be verified as accurate and lawfully reported, it must be deleted from my report per FCRA guidelines. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Reported as Charge Off I do not recognize or acknowledge this charge-off. Please provide legal documentation showing that I defaulted, along with a copy of the original contract and full payment history. If you can not verify this information with credible evidence, please delete it entirely. False reporting of charge-offs causes serious damage to consumer credit profiles. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Reported as Charge Off I have no knowledge of this account. It may be the result of a reporting error or possible identity confusion. Please verify with the original creditor and provide all supporting documentation proving this account is mine. If such verification is not possible, I request immediate deletion of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} Reported as Charge Off This information is false and should not be reflected as a charge-off. I never defaulted on any XXXX XXXX XXXX XXXX account. I request a full reinvestigation to confirm accuracy, and if it can not be verified with concrete documentation, this account should be permanently removed from my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Reported as Charge Off I have no knowledge of this account and did not authorize or maintain any such credit line. Please confirm the legitimacy of this account by providing signed agreements, account statements, and default notices. If the information can not be substantiated, please delete the account as fraudulent or inaccurately reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Reported as Collection I have no record of this collection account. I request full validation under the Fair Debt Collection Practices Act ( FDCPA ), including the original creditors name, account number, and all supporting documents proving the debts validity. If you can not provide this information, the item must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Reported as Collection I do not recognize this XXXX XXXX collection. No billing statements, collection letters, or calls have been received regarding this alleged debt. Please verify it with the original creditor. If validation is not completed, please remove the item as unverifiable and inaccurate. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Charge Off It is illogical and misleading to list a {$0.00} balance account as charged off. This reporting appears to be an error. Please update the status to Paid/Closed in Good Standing or remove the account entirely. Continued misreporting can be considered negligent noncompliance with FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} Reported as Charge Off I do not recall authorizing or maintaining this account. Please provide complete account verification from XXXX XXXX, including signed documentation and payment details. If this account can not be confirmed as accurate, I request its immediate deletion from my credit file. 
Requested Resolution : I respectfully request that CFPB initiate a thorough investigation into these accounts and ensure that all inaccurate, unverifiable, or fraudulent items are removed or corrected. The creditors and credit bureaus should be held accountable for any violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for reporting unverified or misleading information. 
Please confirm that the investigation has been initiated and provide updates on each accounts resolution. 
Thank you for your time and for protecting consumer rights.

Company response to consumer: Closed with explanation