Consumer complaint received 2025-10-30 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: AZ

Complaint narrative:
I am submitting this formal complaint to report multiple inaccurate and unverifiable accounts that have been reported on my credit file by several furnishers. These accounts contain serious reporting errors that have negatively impacted my credit profile and financial standing. 

Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge-Off, Balance Owed : {$150.00} I have no knowledge of this account and request a full investigation and deletion from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment, Balance Owed : {$0.00} This account is reporting inaccurate late payments. I have never made any late payments on this account. I request that the payment history be corrected immediately to reflect accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge-Off, Balance Owed : {$550.00} I have no knowledge of this account. I am requesting deletion as it appears to be unverified and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge-Off, Balance Owed : {$0.00} I have no knowledge of this account and demand its removal as it can not be properly verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment, Balance Owed : {$110.00} This account is reporting false late payments. I have never paid late, and I request a correction to reflect an on-time payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge-Off, Balance Owed : {$8200.00} I have no knowledge of this account, and the information being reported is unverified and inaccurate. I request deletion from my credit report. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment, Balance Owed : {$0.00} This account is incorrectly showing late payments. I have never been late, and I request that the inaccurate payment history be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Charge-Offs, Balances Owed : {$1500.00} / {$920.00} / {$910.00} I have no knowledge of any of these accounts allegedly reported by XXXX XXXX. These entries are unverified third-party collection accounts that should be removed immediately as they violate FCRA 602 and 607 ( b ). 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Collection, Balance Owed : {$210.00} I have no knowledge of this collection account. It appears unverified and must be deleted from my credit file. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection, Balance Owed : {$130.00} I have no knowledge of this account. It is inaccurate and unverifiable and must be removed from my credit report immediately.

These furnishers are reporting accounts that either ( 1 ) do not belong to me, ( 2 ) have not been properly verified, or ( 3 ) contain false and damaging information. This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 607 ( B ), 611, and 623, which require data furnishers and credit bureaus to ensure maximum possible accuracy and conduct reasonable investigations.

I respectfully request that the CFPB investigate each of these
furnishers and credit bureaus for their failure to maintain accurate and verifiable reporting. I further request that any unverifiable or incorrect accounts be permanently deleted or corrected immediately.

Please provide me with a written response detailing the results of your investigation and any actions taken.

Company response to consumer: Closed with non-monetary relief