Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
Dear CFPB, I am submitting this complaint because I have made numerous good-faith efforts to correct inaccuracies with the credit reporting agencies regarding several accounts appearing on my credit report. Despite sending certified disputes to the credit bureaus, many accounts continue to be inaccurately reported, and I am suffering ongoing harm due to these errors. 
Below are the accounts in question with summaries of the issues and the laws violated in each case : Disputed Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Issue : Illegally reported as Charge-Off, though account was disputed, and no proper reinvestigation was conducted.

Violations : FCRA 1681i ( a ) ( failure to reinvestigate ), 1681e ( b ) ( failure to ensure accuracy ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Issue : Reporting a Charge-Off without providing validation or investigation. 
Violations : FCRA 1681i, FDCPA 809 ( failure to validate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Issue : Account marked as Charge-Off despite {$0.00} balance. Conflicting reporting violates data integrity. 
Violations : FCRA 1681e ( b ) ( inaccurate and misleading reporting ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$2100.00} Issue : Repeated Late Payments inaccurately reported. This is under dispute, and I received no outcome or validation of investigation.

Violations : FCRA 1681s-2 ( b ), 1681i ( a ) 5. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$6000.00} Issue : Marked as Charge-Off, but never validated under dispute and no notice was provided per FCRA or FDCPA. 
Violations : FDCPA 807 ( false or misleading representation ), FCRA 1681e ( b ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Issue : Account charged off while in dispute. Bureau failed to mark it as " in dispute '' during reinvestigation.

Violations : FCRA 1681c ( f ), 1681s-2 ( a ) ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$180.00} Issue : Illegally reported Charge-Off. Account was paid in full. 
Violations : FCRA 1681e ( b ), 1681s-2 ( b ) 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$740.00} Issue : Charge-Off without proper notice or validation. I was never informed by the furnisher, nor was the dispute honored. 
Violations : FDCPA 809 ( b ), FCRA 1681i 9. Unknown Account Acct XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} Issue : Collection account listed with no name of the creditor, no communication, and unverifiable source. 
Violations : FDCPA 807 ( 2 ) ( A ), FCRA 1681g ( a ) Unauthorized or Excessive Hard Inquiries : These inquiries appeared without my knowledge, consent, or permissible purpose under FCRA 604 ( a ). Multiple inquiries from auto lenders occurred within a short span, potentially from third-party dealerships or aggregators. These have damaged my score and violated privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 1681b ( no permissible purpose or consent ), excessive and harmful to consumer credit standing.

Narrative and Harm I have suffered significant emotional distress, credit denial, higher interest rates, and reputational damage due to these errors. My repeated attempts to resolve these matters through Equifax, Experian, and TransUnion have been unsuccessful. The bureaus have failed in their legal duty to conduct timely and thorough investigations. 
This is my second round of dispute. Despite the legal obligations under the FCRA, the reporting agencies and data furnishers continue to violate my rights. I have not yet submitted to the FTC, but I am preparing to escalate.

I request that the CFPB : 1. Investigate these accounts for FCRA/FDCPA violations 2. Enforce correction or removal of all inaccurate entries 3. Sanction the furnishers or bureaus for repeated non-compliance 4. Recommend deletion of unauthorized inquiries Relief Requested : Deletion or correction of inaccurate charge-offs, collections, and late payments Removal of all unauthorized or excessive inquiries Compensation or penalties for harm caused ( if applicable ) Written resolution from each furnisher and bureau involved Thank you for your attention to this serious matter. 
I respectfully request your prompt investigation and enforcement action.

Company response to consumer: Closed with non-monetary relief