Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding several inaccurate entries appearing on my credit reports. These accounts are being reported without my knowledge, authorization, or validation. I am requesting the CFPB to investigate these creditors and furnishers for violations of the Fair Credit Reporting Act ( FCRA ) 602, 607, and 609, as they are reporting derogatory information that I do not recognize.

The following accounts are appearing as Charge Off even though I have no knowledge of these accounts, never authorized them, and never received validation or communication from the creditor : XXXX Acct : XXXXXXXX XXXX, High Balance : {$670.00}, Date Opened : XX/XX/XXXX Charge Off XXXX Acct : XXXXXXXX XXXX, High Balance : {$930.00}, Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Acct : XXXXXXXX XXXX, High Balance : {$380.00}, Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Acct : XXXXXXXX XXXX, High Balance : {$740.00}, Date Opened : XX/XX/XXXX Charge Off XXXX Acct : XXXX, High Balance : {$600.00}, Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX Acct : XXXXXXXX XXXX, High Balance : {$790.00}, Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Acct : XXXXXXXX XXXX, High Balance : {$27000.00}, Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, High Balance : {$17000.00}, Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Acct : XXXXXXXX XXXX XXXX, High Balance : {$770.00}, Date Opened : XX/XX/XXXX Charge Off The following items are being reported as Collection Accounts that I do not recognize and never authorized. I have never received any notices, validation letters, or proof that these debts belong to me. These accounts appear to be inaccurate, unverified, and must be removed : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX, High Balance : {$1000.00}, Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX Acct : XXXXXXXX XXXX, High Balance : {$460.00}, Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX Acct : XXXXXXXX XXXX, High Balance : {$540.00}, Date Opened : XX/XX/XXXX Collection XXXX  Acct : XXXXXXXX XXXX, High Balance : {$720.00}, Date Opened : XX/XX/XXXX Collection XXXX  Acct : XXXXXXXX XXXX, High Balance : {$750.00}, Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX Acct : XXXX, High Balance : {$750.00}, Date Opened : XX/XX/XXXX Collection XXXX  Acct : XXXXXXXX XXXX, High Balance : {$1200.00}, Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX Acct : XXXXXXXX XXXX, High Balance : {$1500.00}, Date Opened : XX/XX/XXXX Collection XXXX  Acct : XXXX XXXX, High Balance : {$1400.00}, Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX Acct : XXXXXXXX XXXX, High Balance : {$500.00}, Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX, High Balance : {$930.00}, Date Opened : XX/XX/XXXX Collection These accounts are damaging my credit profile and preventing me from obtaining financial stability. Under FCRA 609 and 611, I am requesting : 1. Full validation and documentation proving these accounts belong to me.

2. Immediate correction or deletion of any account that can not be properly validated.

3. Investigation into the furnishers for reporting unverifiable and potentially fraudulent information.

I request that the CFPB assist in ensuring these creditors comply with federal law. Please provide me with confirmation of your investigation and actions taken.

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief