Consumer complaint received 2025-10-24 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 submitting this complaint regarding inaccurate reporting, unauthorized inquiries, and unfair handling of my accounts which violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These inaccuracies and unauthorized activities are harming my credit and must be fully investigated and corrected. I request immediate investigation, correction, and verification of all listed items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} Chargeoff : This account reflects a charge-off status that is inaccurate. I have never received proper verification of this debt, and the reporting does not comply with FCRA sections 609 and 611 regarding the verification of disputed accounts. I request deletion of this account or correction of its status to accurately reflect my payment history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} Chargeoff : This account shows a charge-off that I dispute in full. I never received notice or proper account statements as required under FCRA. Its reporting is misleading and harms my creditworthiness. I request a thorough verification or removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7900.00} Chargeoff : This account is inaccurately reported as charged-off. I have repeatedly requested verification and supporting documentation of this alleged debt under FCRA Section 611, but no valid proof has been provided. Continued reporting of this account in error constitutes a violation of my rights. Please delete or correct immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1900.00} Chargeoff : The charge-off status on this account is inaccurate. I dispute the validity of this reporting as no supporting documentation has been provided. The reporting fails to meet FCRA accuracy requirements. I request correction or removal of this item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$280.00} Chargeoff : This account is being reported inaccurately as a charge-off. I dispute the legitimacy of this debt, as the creditor has failed to provide verification. Its inclusion violates FCRA mandates for accurate reporting. Immediate correction is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$660.00} Chargeoff : Similar to the prior entry, this accounts charge-off status is unverified and inaccurately reported. Reporting unverified information breaches my rights under FCRA Section 609. I request removal or correction. 

XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} Chargeoff : Reporting this account as charged-off is inaccurate. I dispute its validity and request deletion, as it has no balance owed and no verification has been provided. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Chargeoff : This account is incorrectly listed as charged-off despite a XXXX balance. The reporting fails FCRA accuracy requirements. I request immediate correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Chargeoff : The charge-off status is inaccurate and unverified. I dispute this reporting and request deletion under FCRA provisions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$340.00} Chargeoff : This account is reported as a charge-off without proper documentation or verification. I dispute its accuracy and request immediate removal or correction. 

I am exercising my rights under FCRA and FDCPA to ensure all inaccurate, unverifiable, and unauthorized information is corrected or removed. These issues have directly caused financial harm, denied me fair credit opportunities, and violated federal law. I request CFPB intervention, full investigation, and prompt correction of all items listed above.

Company response to consumer: Closed with non-monetary relief