Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am submitting this formal complaint regarding numerous inaccuracies on my credit report that are severely affecting my financial standing, creditworthiness, and ability to obtain fair credit. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681i, 1681s-2 ( b ), and other applicable federal laws. I demand immediate investigation and correction of all inaccurate information. Below I have provided details of each disputed item, the applicable law, and an explanation of the factual circumstances.

The Fair Credit Reporting Act ( FCRA ) grants me the right to challenge any information on my credit file that I believe to be inaccurate, incomplete, or unverifiable. Under Sections 1681i and 1681e ( b ), you are required to conduct a reasonable reinvestigation to ensure that every entry in my file is both accurate and supported by verifiable documentation from the original source. If such verification can not be obtained, the law requires that the disputed information be removed or corrected immediately.

I have outlined each disputed entry below, identifying the specific Issue, the applicable Law, and a detailed Story explaining why this information is incorrect and why it must be promptly removed or amended. 
Account : XXXX XXXX, Account # XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Chargeoff * * Issue : This account is incorrectly reported as a charge-off despite being fully resolved with a XXXX balance. 
Law : Under the FCRA, Section 1681i, a consumer reporting agency must ensure that any reported information is accurate and verifiable, and must delete any information that can not be substantiated.

Story : This account was never delinquent in the manner that a charge-off designation implies. I satisfied all obligations associated with the account, resulting in a confirmed XXXX  balance. The reporting of this account as a charge-off misrepresents my payment history and portrays a false narrative of financial irresponsibility. I have retained all relevant payment confirmations and
settlement documentation proving that the account was resolved in good standing. Continuing to report it in this manner is misleading, damaging, and in violation of the FCRAs accuracy requirements. I am requesting an immediate investigation, and if you can not fully verify the legitimacy of this status with clear documentary evidence from XXXX XXXX, it must be corrected to reflect a paid, closed account in good standing. 
Account : XXXX XXXX, Account # XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Chargeoff * * Issue : This account is wrongly listed as a charge-off despite having been resolved in full with no outstanding balance.

Law : FCRA Section 1681e ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in consumer reports.

Story : I maintained this account responsibly and resolved the full balance before its closure. The current reporting of a charge-off is inaccurate and creates the impression of a significant derogatory event that never occurred. Such reporting has an unjust and harmful effect on my credit score and financial reputation. I possess payment records and account closure statements that clearly establish that XXXX XXXX  did not suffer any loss. If this accounts charge-off status can not be substantiated with clear, verifiable evidence from XXXX XXXX , it must be updated to reflect that it was paid in full and closed without derogatory status. 
Account : XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$17000.00}, Status : Collection * * Issue : This collection account is inaccurate, unverified, and not owed by me.

Law : FCRA Section 1681i requires a reinvestigation of disputed information, and mandates deletion if the item can not be verified by the furnisher.

Story : I have no record, contract, or agreement with XXXX XXXX XXXX for the alleged debt of {$17000.00}. I have never received a valid notice of debt, nor have I authorized any transaction or service that would result in such a balance. This appears to be a case of mistaken identity or a misapplication of debt to my credit file. Reporting this unverified collection is highly damaging, as it suggests severe delinquency where none exists. If this account can not be proven with a signed agreement, full billing history, and proof of ownership of the debt, it must be deleted from my file immediately as required by the FCRA.

I request that all inaccuracies, including false addresses, late payments, charge-offs, collections, and unauthorized inquiries, be immediately investigated, corrected, or removed as mandated by federal law. I further request written confirmation once corrections are made, along with an updated copy of my corrected credit report.

Company response to consumer: Closed with explanation