Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
I am submitting this complaint because my consumer file is being reported with severe inaccuracies that violate my rights under the FCRA and the FDCPA. These errors have caused ongoing harm, confusion, and denial of fair credit opportunities. I have repeatedly disputed these items with the credit bureau, yet they continue to recycle inaccurate data without conducting the required reasonable reinvestigation under FCRA 1681i. The following items remain incorrect and must be addressed immediately. 

XXXX XXXX Charge Off Open Date : XX/XX/XXXX Balance : {$1700.00} I have no knowledge of this account. No original proof has been provided as required by FCRA 609 ( a ) and 611. Reporting an unverifiable charge-off violates FCRA 602 and 607 ( b ). Delete this item immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Open Date : XX/XX/XXXX Balance : {$3300.00} This account is unknown to me and can not be verified. Under FCRA 609 ( a ), 611, and 607 ( b ), any unproven debt must be deleted. 

XXXX  XXXX XXXX Charge Off Open Date : XX/XX/XXXX Balance : {$2500.00} I do not recognize this alleged account and no lawful documentation exists. FCRA 602, 607 ( b ), and 611 require deletion. 

XXXX XXXX XXXXXXXX Charge Off Open Date : XX/XX/XXXX Balance : {$870.00} This account is not mine. No valid verification exists under FCRA 609 and 611 ; therefore it must be deleted under 602 and 607 ( b ). 

XXXX XXXX XXXXXXXX XXXX Charge Off Open Date : XX/XX/XXXX Balance : {$700.00} I have no knowledge of this debt. The lack of original validation violates FCRA 602, 607 ( b ), 609, and 611. Remove this item immediately. 

XXXX XXXX XXXX Charge Off Open Date : XX/XX/XXXX Balance : {$2100.00} This account is not mine and can not be supported with real evidence as required by FCRA 609 and 611. Delete it under 602 and 607 ( b ). 

XXXX XXXX Charge Off Open Date : XX/XX/XXXX Balance : {$1600.00} I do not recognize this account and no verification exists. Unverifiable negative data violates FCRA 602, 607 ( b ), and 611 and must be removed. 

XXXX XXXX XXXX XXXX Late Payment Open Date : XX/XX/XXXX Balance : {$21000.00} The late payment reporting is inaccurate because I have never made a late payment on this account. FCRA 607 ( b ) and 611 require accurate correction of the payment history. 

XXXX XXXX XXXX XXXX Late Payment Open Date : XX/XX/XXXX Balance : {$25000.00} These late payments are falsely reported. I have always paid on time, and FCRA 602, 607 ( b ), and 611 require immediate correction. 

XXXX XXXX XXXX XXXX XXXX Charge Off Open Date : XX/XX/XXXX Balance : {$7000.00} I have no knowledge of this alleged account. Since no original validation exists as required by FCRA 609 ( a ) and 611, and because unverifiable information violates 602 and 607 ( b ), this must be deleted.

I am requesting that the CFPB require the credit bureau to immediately remove all wrong addresses and delete all unverified charge-off accounts that do not belong to me. The continued reporting of false information is causing ongoing harm and reflects a repeated failure to comply with federal law. I demand full correction, removal of the disputed items, and confirmation once completed.

Company response to consumer: Closed with non-monetary relief