Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding several inaccurate and unauthorized accounts being reported on my credit file by multiple furnishers. These false and misleading entries have severely affected my credit standing and are causing ongoing harm. 

After carefully reviewing my credit report, I have identified the following accounts that are either completely unknown to me or reporting incorrect late payment information : XXXX & XXXX Accounts ( No Knowledge or Authorization ) I have no knowledge of ever opening or authorizing any of the following accounts. These accounts are being wrongfully reported and must be immediately deleted from my credit report : XXXX XXXX Acct : XXXXXXXX XXXX XXXX  | High Balance : {$580.00} | Date Opened : XX/XX/XXXX | Charge-Off XXXX BANK Acct XXXX XXXXXXXX XXXX XXXX  | High Balance : {$810.00} | Date Opened : XX/XX/XXXX | Charge-Off SELFINC/LEAD Acct : XXXXXXXX XXXX XXXX  | High Balance : {$440.00} | Date Opened : XX/XX/XXXX | Charge-Off XXXX Acct : XXXX * * | High XXXX : {$1500.00} | Date Opened : XX/XX/XXXX | Charge-Off XXXX Acct : XXXX XXXX XXXX  | High Balance : {$17000.00} | Date Opened : XX/XX/XXXX | Charge-Off XXXX FUNDING Acct : XXXXXXXX XXXX XXXX  | High Balance : {$530.00} | Date Opened : XX/XX/XXXX | Collection XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX | High Balance : {$1200.00} | Date Opened : XX/XX/XXXX | Collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$760.00} | Date Opened : XX/XX/XXXX | Collection These furnishers have failed to provide verifiable evidence of any valid account relationship or consent for these debts, violating the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( B ), and 623 ( A ) which require data furnishers to ensure maximum accuracy and integrity of reported information. 

I am requesting that these accounts be fully investigated and permanently deleted from all of my credit reports if the furnishers can not provide documented proof bearing my signature. 

XXXX XXXX Accounts ( Inaccurate Payment History ) The following accounts are being inaccurately reported with late payments, which is entirely false. I have never made any late payments to these creditors, and the reported delinquencies must be corrected : XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$570.00} | Date Opened : XX/XX/XXXX | Late Payment XXXX XXXX Acct : XXXXXXXX XXXX XXXX | High Balance : {$720.00} | Date Opened : XX/XX/XXXX | Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$530.00} | Date Opened : XX/XX/XXXX | Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$720.00} | Date Opened : XX/XX/XXXX | Late Payment XXXX  Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Late Payment XXXX Acct : XXXXXXXX XXXX XXXX  | High XXXX : {$1100.00} | Date Opened : XX/XX/XXXX | Late Payment XXXX XXXX, XXXX Acct : XXXXXXXX XXXX XXXX  | High XXXX : {$160.00} | Date Opened : XX/XX/XXXX | Late Payment These creditors have inaccurately reported my payment history, in violation of FCRA Sections 607 ( B ) and 611 ( A ). I am demanding that the inaccurate payment history be corrected to reflect on-time payments, as I have never been delinquent with these accounts.

Requested Resolution Conduct a full investigation into each disputed account. 

Require the furnishers to produce verifiable proof of account ownership and payment history validation. 

If no documentation is produced, these accounts must be deleted or corrected immediately in compliance with FCRA and CFPB guidelines. 

Provide a written confirmation of the results and any actions taken. 

I have exercised due diligence by contacting the credit bureaus and the furnishers directly. Since the inaccuracies persist, I am now seeking CFPB intervention to ensure full compliance with federal law and to protect my consumer rights. 

Thank you for your prompt attention to this matter. I expect a thorough investigation and written response within the timeframes established by law.

Company response to consumer: Closed with non-monetary relief