Consumer complaint received 2025-09-29 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:
Dear CFPB, I am submitting this complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ) 604, 605B, 607 ( b ), 611, and 623, as well as the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ). I am formally disputing the following accounts on my Experian credit report, which are either unverified, inaccurately reported, or potentially the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account, nor have I ever authorized, opened, or received any account documentation. The appearance of this account on my credit file is inconsistent with my personal financial history. Under FCRA 611 ( a ), this account can not be verified and must be deleted in full. Reporting this unverified account as a charge-off is inaccurate and misleading, causing significant harm to my credit reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$2200.00} Late Payment * * I have never missed a payment on any legitimate account with XXXX XXXX XXXXXXXX. The reported late payments are false and misrepresent my credit history. I demand that this accounts payment history be corrected immediately to reflect accurate on-time payments, or removed entirely if verification can not be provided, in accordance with FCRA 611 and 623. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3400.00} Late Payment * * I dispute the late payment notation on this account. I have always paid my obligations in a timely manner, and the reported delinquencies are false. Without proper documentation proving the accounts authenticity and my delinquency, this account must either be corrected or deleted pursuant to FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6800.00} Not Mine/ Not Authorized * * I have no knowledge of this account, and I did not open or authorize it. This account may result from identity theft or file misattribution. Under FCRA 605B, any information resulting from identity theft must be blocked and removed upon provision of evidence. I enclose my identity verification and request immediate deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$20000.00} Not Mine/ Not Authorized * * This account is fraudulent and not associated with me. I have never applied for, received, or made payments on this account. The presence of this account constitutes identity theft or mixed file reporting, which is in violation of FCRA 605B and Metro 2 reporting standards. I demand full deletion and confirmation in writing. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$13000.00} Not Mine/ Not Authorized * * I do not recognize this account, and I have never had any dealings with this entity. Under FCRA 604, 605B, and 611, unverified accounts must be deleted. Reporting this account is damaging, misleading, and unacceptable. 
Legal Request : Please provide all documentation relied upon to verify these accounts, including signed contracts, full payment histories, and account-opening records. 
If verification can not be provided within 30 days, I demand full deletion of these accounts from my credit file. 
Partial corrections ( e.g., removing late payments but leaving unverified accounts ) are not acceptable. 
Enclosures : Copy of government-issued photo ID Proof of current address ( utility bill ) FTC Identity Theft Report ( for 605B compliance ) Failure to resolve this matter will result in further action, including complaints to the FTC, State Attorney General, and potential civil claims under FCRA 616617 for statutory and actual damages, as well as attorneys fees. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation