Consumer complaint received 2025-10-10 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:
This is a formal complaint being filed with the Consumer Financial Protection Bureau regarding serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by certain furnishers and credit reporting agencies. Despite multiple disputes and written requests for verification, the inaccurate and unverifiable information listed below continues to appear on my credit file. These violations have resulted in emotional distress, lowered credit scores, and loss of financial opportunities. I am requesting the CFPB to investigate these matters and enforce compliance with federal law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX  This account continues to appear as a charge-off even though no validated records have been produced proving the debts legitimacy or ownership. Under FCRA 611 and 623 ( A ) ( 3 ), furnishers must verify accuracy before reporting or continuing to report disputed accounts. This account has never been validated under the Fair Debt Collection Practices Act ( FDCPA 809 ). Reporting an unverifiable charge-off after multiple requests shows reckless disregard for truth and fairness. The alleged debt could have been sold, settled, or assigned, yet no documentation of such activity has been shown. Continued reporting of this account violates FCRA 602 ( A ) and CFPB standards regarding accuracy and reinvestigation, and I am demanding immediate deletion due to non-verification. 

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX  This account is being reported as a charge-off without any legal verification or proof of accuracy. FCRA 623 ( A ) ( 3 ) explicitly requires that disputed information be thoroughly investigated, and any unverifiable data be corrected or deleted. No documentation has been provided showing my authorization, contract, or payment records related to this account. The continued reporting after repeated disputes represents a willful violation of FCRA 616 and negligence under 607 ( B ). The failure to verify this information damages my credit reputation, and I am demanding its deletion due to lack of substantiation and failure of reinvestigation under federal law. 

I am submitting this complaint to the CFPB because these continued inaccuracies, charge-offs, false addresses, and unauthorized inquiries violate multiple sections of the FCRA and FDCPA. The reporting agencies and furnishers have failed to validate, correct, or remove the disputed information despite repeated requests, showing clear negligence and willful noncompliance. I respectfully request that the CFPB investigate each violation, compel the responsible parties to provide full documentation or remove unverifiable data, and ensure compliance with FCRA 616. I further request that corrective action be taken to restore my credit files accuracy and integrity and hold the violators accountable under federal law.

Company response to consumer: Closed with non-monetary relief