Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unverified accounts being reported on my credit reports by several furnishers and/or debt collectors. The information listed below has been damaging my credit profile and does not accurately reflect my credit history or any verified financial obligations.

1. CHARGE-OFF ACCOUNTS ( No Knowledge of These Accounts ) The following accounts are being reported as Charge-Offs, yet I have no knowledge of these accounts, nor have I ever entered into any agreement or received validation that these debts are legitimately mine. 
Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, I have the right to request proper documentation and verification of each account. No creditor has provided such proof. 

XXXX XXXX XXXX ( Account : XXXX XXXX ) High Balance : {$920.00} Date Opened : XXXX XXXX XXXX ( Account : XXXX ) High Balance : {$460.00} Date Opened : XX/XX/XXXXXXXX XXXX  ( Account : XXXX ) High Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX ) High Balance : {$16000.00} Date Opened : XX/XX/XXXX These accounts appear on my credit report without any verifiable authorization or signed contract. I request the CFPB to require these furnishers to immediately provide complete validation ( including original signed agreements and full payment history ) or to delete these accounts entirely for violating FCRA 623 ( a ) ( 1 ) ( A ).

2. COLLECTION ACCOUNTS ( No Knowledge of These Accounts ) The following collection accounts are unverified and I have no recollection or record of ever
owing these debts. Under FCRA and FDCPA 809 ( b ), I demand proof of ownership and assignment of debt : XXXX XXXX XXXX ( Account : XXXX ) High Balance : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Account : XXXX XXXX XXXX  ) High Balance : {$920.00} Date Opened : XX/XX/XXXX Since these entities have failed to provide verifiable documentation of any debt obligation, these entries should be deleted immediately for being reported in violation of the FCRA and FDCPA. 

XXXX. LATE PAYMENT ACCOUNTS ( Inaccurate Payment History ) The following accounts are being reported with late payments, but I have never been late on any of them. These reporting errors are damaging my creditworthiness and violate the accuracy standards of FCRA 602 ( A ) ( 1 ) and 607 ( B ) XXXX XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/XXXX XXXX  ( Account : XXXX ) High Balances : {$3000.00} & {$5200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX ) High Balance : {$7600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Account : XXXX ) High Balance : {$8700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Account : XXXXXXXX XXXX ) High Balance : {$25000.00} Date Opened : XX/XX/XXXX I request the CFPB to investigate these creditors for failure to ensure accuracy and completeness as required by FCRA 623 ( a ) ( 1 ) ( A ). They must correct the inaccurate payment history to reflect a perfect payment record or face regulatory action. 

XXXX. UNAUTHORIZED CREDIT INQUIRIES The following inquiries were made without my consent or permissible purpose as defined under FCRA 604 ( a ) : 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 These inquiries must be removed immediately for violating my rights under FCRA 604 ( a ) ( 3 ).

Requested Resolution I respectfully request the Consumer Financial Protection Bureau to : Conduct a full investigation into each of the above furnishers.

Compel the removal or correction of all unverified, inaccurate, or unauthorized entries from my credit file.

Ensure compliance with all applicable FCRA and FDCPA provisions by the creditors, furnishers, and credit reporting agencies involved.

Conclusion These false and unverified accounts have caused significant damage to my credit standing and financial reputation. I expect prompt action within the 30-day investigation period as outlined under federal law.

Thank you for your attention and assistance in protecting consumer rights and holding furnishers accountable for accuracy and integrity in credit reporting.

Company response to consumer: Closed with non-monetary relief