Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverified, and unauthorized accounts that are currently being reported by Equifax on my credit report. These inaccurate entries have severely damaged my credit reputation, resulted in financial hardship, and caused emotional distress. Despite my previous disputes, Equifax has continued to report these items without providing proper verification or lawful documentation, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ).

Equifax has failed to ensure that all information reported in my credit file is accurate and verifiable. Many of these accounts are completely unfamiliar to me, while others have been reported with false charge-offs, repossessions, and late payments that I never authorized or incurred. In addition, there are inquiries listed on my credit file that were made without my consent or permissible purpose, which violates FCRA 1681b ( c ). 

The following accounts and inquiries are being wrongfully reported on my Equifax credit report and must be thoroughly investigated and deleted immediately unless Equifax and the furnishers can provide full, lawful verification : XXXX XXXX * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charge Off XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off XXXX XXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Charge Off XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge XXXX XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX Balance Owed : {$270.00} Charge Off XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} Late Payment XXXX  Inquiry Date : XX/XX/XXXX Unauthorized Inquiry I have no knowledge of several of these accounts and have never entered into any agreements with the furnishers associated with them. The charge-offs, repossessions, and late payments reported are completely false and misleading. These entries are not backed by any documentation or valid contractual evidence. Additionally, the unauthorized inquiry from XXXX was made without my consent and violates my right to privacy under federal law. 

XXXX continued reporting of these false and unverified accounts demonstrates willful noncompliance with FCRA XXXX ( a ), which requires a credit reporting agency to conduct a reasonable reinvestigation within 30 days of receiving a dispute. Their inaction and failure to remove unverifiable data have caused repeated credit denials and emotional and financial harm. 

I am requesting that the CFPB investigate XXXX handling of my disputes and hold them accountable for their violations of the Fair Credit Reporting Act. All the accounts listed above must be immediately deleted from my credit file unless they can be verified with complete and lawful documentation, including signed contracts and payment histories. 

XXXX negligence and disregard for federal consumer protection laws have resulted in significant damage to my credit standing and financial stability. I am seeking a fair and lawful resolution through the CFPB to restore the accuracy of my credit report and ensure that Equifax fully complies with federal law moving forward. 

Thank you for your attention to this matter. I look forward to a prompt and just resolution of my complaint.

Company response to consumer: Closed with non-monetary relief