Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report is reporting inaccurate, incomplete, and unverifiable information that is harming my creditworthiness and causing financial damage. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate, complete, and fully verifiable information reported by credit reporting agencies and furnishers. The accounts listed below are being reported incorrectly and violate multiple provisions of the FCRA. I am requesting a full investigation and correction of these errors immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address I dispute the reporting of this address as inaccurate and request verification under FCRA 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ). Provide documentation confirming my residence at this address during the reporting period. If you can not verify, delete this incorrect address immediately. Inaccurate address reporting misrepresents my credit history and harms my creditworthiness, violating FCRA 602. I demand proof of residence, such as a lease agreement, utility bills, or other official records. Continued reporting of unverifiable information is unlawful. I request a full reinvestigation and written confirmation of correction or deletion within 30 days. Any unverifiable or incorrect reporting must be immediately removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address I dispute the reporting of this address as inaccurate and request verification under FCRA 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ). Provide documentation confirming my residence at this location during the reporting period. If you can not verify, delete this incorrect address immediately. Inaccurate address reporting misrepresents my credit history and harms my creditworthiness, violating FCRA 602. I demand proof of residence, such as a lease agreement, utility bills, or other official records. Continued reporting of unverifiable information is unlawful. I request a full reinvestigation and written confirmation of correction or deletion within 30 days. Any unverifiable or incorrect reporting must be immediately removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Chargeoff XXXX XXXX I dispute this charge-off account and request full verification under FCRA 611 ( a ) ( 5 ) and 623 ( a ) ( 1 ). Provide the original signed agreement, complete payment history, and documentation showing the exact date of delinquency and charge-off. If you can not verify, delete this account immediately. Reporting inaccurate or unverifiable information violates FCRA 602 and 609 ( a ) ( 1 ) and is harming my credit profile. I demand proof that all reporting is accurate, including confirmation of the balance, status, and date of charge-off. Any discrepancy in amounts, dates, or status constitutes a reporting error and must be corrected. Continued reporting of unverified charge-offs is unlawful and may be considered willful noncompliance. I request a full reinvestigation and written confirmation of correction or deletion within 30 days as required by law. Documentation must include all statements and communications from the original creditor. Any unverifiable or incomplete information must result in immediate removal of this account from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} Chargeoff * * I dispute this charge-off account and request full verification under FCRA 611 ( a ) ( 5 ) and 623 ( a ) ( 1 ). Provide the original signed loan or account agreement, full payment history, and proof of the date of first delinquency and charge-off. If you can not validate, delete this account immediately. Reporting unverifiable or inaccurate information violates FCRA 602 and 609 ( a ) ( 1 ) and is causing damage to my creditworthiness. I demand confirmation that the balance, status, and all dates are correct and that this account is accurately reported. Any discrepancies constitute reporting errors that must be corrected immediately. Continued reporting without verification is unlawful and may be considered willful noncompliance. I request a full reinvestigation and written confirmation of correction or deletion within 30 days. Documentation must include all account statements, notices, and communications from XXXX XXXX. Any unverifiable information must result in immediate removal from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX  This account is reporting a charge-off status despite showing a {$0.00} balance, which is misleading and inaccurate. Reporting a charge-off with no balance owed falsely suggests that I remain a credit risk. Under FCRA 607 ( b ) you are required to ensure accuracy and fairness in reporting. I demand that you provide the original charge-off notice, statements showing delinquency, and proof of when and how this debt was resolved. If the balance is indeed {$0.00}, this account should no longer reflect a derogatory status. Keeping a charge-off on file when no money is owed is unfair, misleading, and harmful to my creditworthiness. This is my second dispute, so failure to remove this inaccurate data will result in a CFPB complaint. I am demanding a full reinvestigation with supporting documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Chargeoff XXXX XXXX This account has been previously disputed and no proper method of verification was provided. The FCRA requires that you obtain documentation from the furnisher proving the validity of the account and provide me with the results of the reinvestigation. You must obtain a copy of the signed credit agreement, billing statements showing the balance, and the official charge-off notice from XXXX. If you can not provide these documents, this account must be deleted. Reporting unverifiable debt is a violation of my rights under FCRA 611 and 607 ( b ). Continuing to harm my credit with unverifiable data is unlawful and unfair. 

XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Chargeoff XXXX XXXX This charge-off account is reported with conflicting and inconsistent data which is misleading under FCRA 607 ( b ) that requires maximum possible accuracy in reporting. The balance amount has fluctuated without proper explanation, and the charge-off date is not consistent with the original date of delinquency. FCRA 623 ( a ) ( 5 ) mandates that furnishers accurately report the date of first delinquency, and failure to do so results in unlawful credit reporting. I am demanding full verification by obtaining the original application, signed agreement, payment history, and the exact date of first delinquency from XXXX XXXX. If you can not provide these records from the original creditor, this item must be removed according to FCRA 611 ( a ) ( 5 ). Continuing to report unverifiable or outdated information harms my creditworthiness and violates my rights as a consumer. This account is also impacting my debt-to-income ratio and preventing me from accessing housing, credit cards, and other financial opportunities. The inconsistent reporting is misleading potential creditors and misrepresenting my payment history. Each monthly update that shows an incorrect balance or status is a fresh violation. You must correct or remove all inaccurate information immediately. I request a complete reinvestigation, including communication with the original creditor. Provide me with the date of last payment, charge-off date, and the method used to verify this information. If you can not certify accuracy under penalty of law, you must delete this account entirely from my credit report. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} XXXX XXXX  I dispute this collection account and request full verification under FCRA 611 ( a ) ( 5 ) and FDCPA 809 ( b ). Provide the original signed contract, complete account history, and a detailed calculation of the current balance. If you can not validate this debt, it must be deleted immediately. Reporting unverifiable or inaccurate information violates FCRA 602 and 623 ( a ) ( 1 ) and is harming my credit profile. I demand proof that the debt is legitimate, including chain of ownership, original creditor documentation, and any notices sent. Any discrepancy in amounts, dates, or status constitutes a reporting error and must be corrected. Continued reporting of unverified collections is unlawful and may be considered willful noncompliance. I request a full reinvestigation and written confirmation of correction or deletion within the 30-day period mandated by law. Documentation must include all statements, notices, and communications from the original creditor and XXXX XXXX. Any unverifiable or incomplete information must result in immediate removal of this account from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXX XXXX I dispute this collection account and request full verification under FCRA 611 ( a ) ( 5 ) and FDCPA 809 ( b ). Provide the original signed contract, complete account history, and a detailed calculation of the current balance. If you can not validate this debt, it must be deleted immediately. Reporting unverifiable or inaccurate information violates FCRA 602 and 623 ( a ) ( 1 ) and is harming my credit profile. I demand proof that the debt is legitimate, including chain of ownership, original creditor documentation, and any notices sent. Any discrepancy in amounts, dates, or status constitutes a reporting error and must be corrected. Continued reporting of unverified collections is unlawful and may be considered willful noncompliance. I request a full reinvestigation and written confirmation of correction or deletion within the 30-day period mandated by law. Documentation must include all statements, notices, and communications from the original creditor and XXXX XXXX. Any unverifiable or incomplete information must result in i

mmediate removal of this account from my credit file. By filing this complaint with the CFPB, I am exercising my rights under federal law to demand that the credit reporting agencies and furnishers of information investigate, validate, and correct these inaccurate accounts. Failure to comply may result in legal action to enforce my rights and seek damages as allowed under FCRA 616617

Company response to consumer: Closed with non-monetary relief