Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am submitting this formal complaint because multiple creditors and credit reporting agencies are publishing false, unverified, and harmful information on my credit reports. These accounts are either not mine or contain inaccurate late payment reporting, despite my history of paying on time. 

I have attempted to resolve these inaccuracies with the credit bureaus, but they failed to properly investigate or furnish verification as required under the Fair Credit Reporting Act ( FCRA ) 602, 607, 609, 611, and 623. I am requesting the CFPBs assistance in ensuring proper compliance. 

XXXX. Accounts I Have No Knowledge Of Requesting DELETION These accounts are being reported as Charge-Offs or Collections, but I have no knowledge of these accounts, have never opened them, and have never authorized any such credit lines. 
Under FCRA 609 and 611, these accounts must be fully verified or deleted immediately. 

A. XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$500.00} Status : Charge Off I have no knowledge of this account. I did not open it and never authorized it. Requesting deletion. 

B. XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$1700.00} Status : Charge Off This is not my account. I request full documentation or permanent deletion. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$1500.00} Status : Collection I do not recognize this debt. I never received notice nor validation. Requesting deletion. 

XXXX. Accounts Showing False Late Payments Requesting CORRECTION The following creditors are reporting late payments that are factually incorrect. 
I have never been late on these accounts. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information that is known to be inaccurate. 

A. XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$2000.00} Late payments reported are incorrect I have never made a late payment. Request correction. 

XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX High Balance : {$150000.00} Late payment history is wrong and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$0.00} Late payment reporting is inaccurate. I request correction. 

XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$34000.00} No late payments have ever occurred. Reporting must be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XXXX XXXX, XXXX High Credit : {$4000.00} Late payment reporting is completely inaccurate. Request correction. 

Requested CFPB Action I respectfully request the CFPB to : Require the furnishers and credit bureaus to provide full, lawful verification of each account under FCRA 609. 

Require deletion of all charge-off/collection accounts I have no knowledge of. 

Require accurate correction of all falsely reported late payments.

Ensure all furnishers comply with FCRA 623 regarding the reporting of accurate information.

Declaration I certify that all statements in this complaint are true to the best of my knowledge. I request immediate intervention to stop the continued harm caused by these inaccurate and unverified reports. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief