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: MS

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, misleading, and legally noncompliant items being reported on my credit reports by various furnishers and credit reporting agencies. These errors are causing me significant harm, including damage to my creditworthiness, denial of financial opportunities, and undue stress. 

The disputed accounts and issues are as follows : XXXX Acct XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Reported as Charge-Off Balance : {$0.00} This is inaccurate and misleading. A {$0.00} balance can not simultaneously be listed as a charge-off. This violates FCRA 1681s-2 ( Duty of Furnishers to Provide Accurate Information ). 

XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge-Off Balance : {$0.00} Again, balance shows {$0.00} but is reported as charged-off, which is contradictory and inaccurate. 

XXXX  XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge-Off Balance : {$0.00} Same inaccurate reporting. This creates a false derogatory mark despite no outstanding debt. 

XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Charge-Off Balance : {$0.00} This is inconsistent and misleading under FCRA and CFPB guidelines. 

XXXX  XXXX Bankruptcy Case # XXXX, XXXX Bankruptcy XXXX I request a full verification of this bankruptcy entry, including certified documentation from the court. If the credit bureau or furnisher can not provide original, certified verification, the entry must be deleted under FCRA 611 ( a ) ( 1 ) ( A ). 

Multiple Unauthorized Hard Inquiries : 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  These inquiries were not authorized by me. They represent a clear violation of FCRA 604 ( a ) ( 2 ) regarding permissible purpose.

Legal Basis for Complaint FCRA 602 ( A ) guarantees the right to accurate credit reporting. 

FCRA 611 & 623 require furnishers and CRAs to investigate and correct errors.

Reporting Charge-Off with a {$0.00} balance is factually inconsistent and creates a false negative record. 

Unauthorized inquiries are a breach of my consumer rights. 

Requested Relief I respectfully request the CFPBs intervention to ensure the following corrective actions : Immediate investigation into the above-mentioned accounts and inquiries.

Deletion or correction of any account inaccurately reported as Charge-Off with {$0.00} balance. 

Removal of all unauthorized hard inquiries that lack permissible purpose. 

Full validation of the bankruptcy entry with certified court documents ; if unverifiable, it must be deleted. 

Written confirmation from each CRA and furnisher once corrections are made. 

These violations are causing irreparable harm to my credit profile and financial stability. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and request your prompt assistance in ensuring compliance.

Company response to consumer: Closed with explanation