Consumer complaint received 2025-10-03 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: NV

Complaint narrative:
To the Consumer Financial Protection Bureau I am filing this complaint because my credit report is showing multiple inaccurate accounts that are damaging my financial well-being and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have disputed these items but the credit bureaus and furnishers have failed to provide proper validation or conduct a lawful reinvestigation. I am seeking the assistance of the CFPB to ensure compliance with federal law, protect my rights, and remove these unverifiable and inaccurate accounts from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$860.00} Chargeoff This account is being reported as a charge-off, but upon careful review, there is no evidence provided that verifies this account belongs to me under the standard of accuracy required by FCRA 609 and 611. The charge-off status is inaccurate, as there is no proof of default notice ever being provided, no signed contract linking me personally, and no accounting records establishing how the alleged balance of {$860.00} was calculated. Continued reporting of this unverifiable account violates FCRA 623, which requires furnishers to provide accurate information and to correct or delete information that can not be verified. By leaving this account on my report after two prior disputes, the bureau has ignored its obligation to conduct a proper reinvestigation, thus violating my rights. Additionally, reporting a charge-off without proper validation is a deceptive practice under FDCPA 807, as it creates the false impression that I owe a legally enforceable debt when no such proof exists. The harm caused includes denial of credit, higher interest rates, and reputational damage, all of which are direct consequences of inaccurate reporting. Since the information can not be substantiated with original documentation, the only lawful remedy is immediate deletion of this account from my credit file in compliance with the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Late Payment This account is reporting late payments, but the reporting is inaccurate, incomplete, and unverifiable as required by law. Under FCRA 607 ( b ), credit bureaus must assure maximum possible accuracy, and by showing me as delinquent without proof, that standard has been violated. There has been no documented evidence provided that any payment was late, nor has any written billing statement or contractual record been shown to justify this negative reporting. Without original payment history or account statements, the information remains unverifiable under FCRA 611. Furthermore, the furnisher is in violation of FCRA 623 ( a ) ( 1 ) ( A ) by continuing to report inaccurate information despite having notice of dispute. The presence of a late payment entry when no such proof exists is misleading and damaging, constituting deceptive collection activity under FDCPA 807 and unfair practice under FDCPA 808. By refusing to delete inaccurate data after my previous disputes, the bureau has failed to act in good faith and has demonstrated negligence in its legal duties. This repeated negligence has created serious consequences for me, including difficulty in securing credit, financial embarrassment, and emotional distress. For these reasons, and under the authority of federal law, I demand the immediate removal of this account from my credit report. 

XXXX XX/XX/XXXX Inquiry This inquiry was added to my credit file without my consent, authorization, or permissible purpose under FCRA 604. I did not apply for credit with this entity, nor did I provide written consent or initiate any transaction that would justify pulling my credit file. The lack of permissible purpose makes this inquiry unlawful and a violation of my privacy. Under FCRA 607 ( a ), the bureau must follow reasonable procedures to ensure only authorized access occurs, but the presence of this item demonstrates a failure of duty. This inquiry lowers my credit score, creates a false impression that I am actively seeking new credit, and damages my reputation with lenders. No validation or proof has been provided despite prior disputes, which is noncompliance with FCRA 611 and 623. Retaining this inquiry is considered willful noncompliance under 616 and negligent noncompliance under 617. Unauthorized inquiries are also deceptive under FDCPA 807 because they misrepresent consumer activity. This entry can not be verified and therefore must be deleted immediately to restore accuracy and compliance with the law. 

XXXX XX/XX/XXXX Inquiry This inquiry is also unauthorized and unlawful, placed on my file without my consent or any legal permissible purpose as defined by FCRA 604. I did not submit an application, request credit, or authorize access to my personal data with this entity. Such unauthorized access to my credit report is a breach of my privacy rights and a violation of federal consumer protection laws. It is misleading to retain this inquiry because it falsely indicates that I sought credit when I did not, lowering my score and creating financial harm. The credit bureau has a duty under FCRA 607 ( a ) to protect my file, which it has failed to do here. The furnisher has also violated 623 by reporting unverified data. Continued reporting after disputes demonstrates willful noncompliance under 616. Unauthorized inquiries such as this expose me to potential fraud and identity theft, which makes their presence on my file especially dangerous. Since the item can not be verified with any proof of authorization, the only lawful resolution is permanent deletion.

I respectfully request the Consumer Financial Protection Bureau to investigate these accounts and require the credit bureaus and furnishers to provide full validation. If they can not produce lawful documentation proving ownership and accuracy, these accounts must be permanently deleted from my credit report. The ongoing reporting of unverifiable and inaccurate information is a serious violation of my consumer rights under FCRA and FDCPA, and I am seeking the CFPBs enforcement to ensure compliance, accuracy, and fairness in my credit file.

Company response to consumer: Closed with non-monetary relief