Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint to report multiple inaccuracies, unverifiable accounts, and unauthorized inquiries appearing on my credit reports from XXXX, Equifax, and XXXX. Despite my repeated disputes, these items remain unverified and continue to harm my creditworthiness. These inaccuracies constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Below are the specific issues I am disputing : ACCOUNT INACCURACIES : XXXX XXXX ( Acct : XXXX ) High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge of this account being charged off, and no documentation has ever been provided to verify any valid debt or delinquency. Reporting this as a charge-off is false, misleading, and harmful to my credit reputation. Under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ), you are required to verify the complete accuracy of this data or remove it immediately. 
XXXX ( Acct : XXXX ) High Balance : {$2500.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account has been reported with late payments, which is completely incorrect. I have never made any late payments on this account. The payment history must be corrected to reflect an on-time record as per FCRA 607 ( b ), which mandates maximum possible accuracy in consumer reports. 
XXXX ( Acct : XXXX ) High Balance : {$3000.00} | Date Opened : XX/XX/XXXXXXXX XXXX Status : Late Payment This late payment reporting is inaccurate. I have maintained timely payments and can provide proof upon request. Please verify with the furnisher ; if verification can not be fully substantiated, delete the negative marks in compliance with FCRA XXXX ( a ) ( XXXX ). 
XXXX ( Acct : XXXX ) High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account also shows false delinquency. I request full validation of this record. In absence of complete and verifiable evidence from the furnisher, the negative status must be corrected or removed per FCRA 609 ( a ) and 611 ( a ).

SPRINGOAKS ( Acct : 111613 ) High Balance : {$770.00} | Date Opened : XX/XX/XXXX | Status : Collection I have no recollection or contract with this company, and no debt validation has been provided. Reporting this as a collection violates FCRA XXXX and FDCPA 809 ( b ). This account must be deleted unless the furnisher provides verifiable evidence that I authorized this account and owe the alleged balance. 
UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries, and no permissible purpose under FCRA 604 ( a ) ( 3 ) exists for them. Each inquiry must be removed immediately, as they were performed without my consent or legitimate business need. 
The credit bureaus have failed to comply with their legal obligations under FCRA 611 ( a ) to conduct proper reinvestigations and provide accurate results. The repeated reporting of unverifiable and inaccurate data indicates negligence and disregard for my consumer rights. 
I respectfully request that the CFPB : XXXX. Conduct a full investigation into the reporting and verification practices of the above furnishers and credit bureaus. 
XXXX. Enforce deletion of all unverifiable, inaccurate, and unauthorized items from my credit reports. 
XXXX. Ensure the credit bureaus update my file with only verified and accurate information. 
XXXX. Impose penalties where appropriate for continued noncompliance with federal consumer protection laws. 
Thank you for your attention and assistance in this matter. I look forward to a prompt and fair resolution.

Company response to consumer: Closed with non-monetary relief