Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
I am submitting this formal complaint against several creditors and data furnishers who are reporting inaccurate, unverifiable, and misleading information on my credit reports. These accounts are severely damaging my credit profile and do not accurately reflect my financial history. I have made multiple attempts to resolve these inaccuracies directly with the credit reporting agencies and the furnishers, but the accounts continue to appear without proper verification or correction. 

Below are the specific accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off XXXX XXXX I have no knowledge of this account and have never held any credit relationship with this entity. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off * * I have no record or recollection of this account. This listing is inaccurate and must be deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment XXXX XXXX  This account has been reported with late payment history, which is entirely false. I have never made a late payment on this account, and the payment history must be corrected to reflect accurate, on-time reporting. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$930.00} Status : Charge Off XXXX XXXX XXXX have no knowledge of this account, and I never authorized any credit relationship with this entity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off XXXX XXXX  I do not recognize this account. It appears to have been reported without proper verification or my consent. 

XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Status : Charge Off * * I have no knowledge of this account and never conducted any business with this creditor. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} Status : Charge Off * This is a serious inaccuracy. I have never opened or been associated with any account of this amount or with this creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off XXXX XXXX  I have no knowledge of this account, and I request its complete removal for failure of proper verification.

These entries are inaccurate, incomplete, and unverifiable under 15 U.S.C. 1681i ( Fair Credit Reporting Act ). The furnishers have failed to conduct reasonable investigations or provide evidence validating these accounts. Reporting unverifiable or incorrect information constitutes a direct violation of the FCRA. 

I am requesting the CFPB to conduct a full investigation into the practices of these creditors and to hold them accountable for failing to ensure the accuracy and integrity of the data they report to the credit bureaus. 

Requested Resolution : Delete or correct all unverifiable charge-off and inaccurate late payment accounts listed above. 

Require furnishers to provide documented proof of account ownership, signed agreements, and payment records if they wish to continue reporting.

Ensure compliance with FCRA 602 ( A ) and 623 ( A ), which require furnishers to report accurate and verifiable information.

Please treat this matter as urgent, as these inaccurate reports are causing ongoing harm to my creditworthiness, access to credit, and overall financial stability. 

Thank you for your time and attention to this matter. I trust that the CFPB will ensure these creditors are held accountable and that my credit reports are corrected accordingly.

Company response to consumer: Closed with non-monetary relief