Consumer complaint received 2025-10-30 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: IL

Complaint narrative:
I am submitting this formal complaint against several creditors, data furnishers, and credit reporting agencies for violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and other applicable consumer protection laws. My credit file contains multiple inaccurate, unverified, and misleading items that are causing significant harm to my financial reputation, emotional well-being, and creditworthiness. Despite my previous attempts to resolve these matters, the creditors have failed to provide any lawful documentation or verification, and the credit bureaus continue to report these accounts without investigation or proof. 
XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Chargeoff This account is being reported as a charge-off without any verified record or written notice of delinquency. I never received any statement, bill, or notification indicating default or charge-off. The furnisher has failed to validate the debt as required under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ), and the reporting agencies have not confirmed accuracy as mandated by FCRA 611 ( a ). I believe this account may be fraudulent or inaccurately attributed to me, and I request a full CFPB investigation into this violation. 
XXXX XXXX XXXX XXXX : {$530.00} Date Opened : XX/XX/XXXX XXXX This account is reported as charged-off, yet no supporting documentation, proof of debt, or itemized statement has been provided to me. The furnishers failure to verify accuracy violates FCRA 623 ( a ) ( 1 ) ( A ). Reporting unverified derogatory information without a proper investigation is a willful violation of my consumer rights. 
XXXX XXXXXXXX XXXX XXXX : {$2500.00} Date Opened : XX/XX/XXXX XXXX I have no knowledge of this account being delinquent or charged-off. No documentation or legal validation has ever been provided. The continued reporting of this account by the furnisher and bureaus constitutes negligent and reckless disregard of consumer reporting obligations under FCRA 602 and 607 ( b ). I am requesting the CFPB to enforce corrective actions and ensure deletion of this unverifiable item. 
XXXX XXXX Multiple Accounts ( Dates : XX/XX/XXXX XX/XX/XXXX ) Late Payments There are multiple entries from the Department of EducationXXXX under the same account number but with different opening dates and balances. Each is being reported with alleged late payments, which is entirely inaccurate. I have consistently made timely payments on my student loans, and I have never been delinquent. The repetition and inconsistent balances reflect clear duplications and data mishandling. This violates FCRA 623 ( a ) ( 2 ) which requires furnishers to correct and update inaccurate information, and also CFPB Regulation V ( 12 CFR Part 1022 ) concerning accuracy and integrity of furnished information. These false reports have damaged my credit score and financial reputation unjustly. I request the CFPB to investigate XXXX failure to ensure data accuracy and to direct them to correct or delete the false late payment histories immediately. 
XXXX XXXX XXXX High Balance : {$28000.00} Date Opened : XX/XX/XXXX Late Payment This account is being reported with late payments even though I never received any delinquency notice or payment warning. No validation or billing evidence has ever been produced. The furnishers failure to verify or validate the alleged late payments violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( A ). I am requesting a formal CFPB investigation into this creditors inaccurate and unverified reporting practices. 
Each of these accounts continues to appear on my credit report without lawful verification, which is a clear violation of the FCRAs accuracy and reinvestigation requirements. These entities are either refusing to validate the debts or are repeatedly reporting erroneous information without correction. The emotional distress, reputational harm, and credit denials I have faced due to these false entries are serious. Under FCRA 616 and 617, I reserve my right to seek statutory and actual damages for willful and negligent noncompliance. 
I respectfully request that the Consumer Financial Protection Bureau investigate these reporting and furnishing entities for their continued violations of the FCRA and FDCPA, ensure that all unverifiable and inaccurate information is permanently deleted from my credit report, and impose appropriate penalties or corrective measures against the responsible parties.

Company response to consumer: Closed with explanation