Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
I am writing this formal complaint to report multiple inaccurate, duplicate, and fraudulent accounts being reported on my credit file. These entries have severely damaged my creditworthiness, caused emotional distress, and violated my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have previously disputed these items with the credit bureaus and original furnishers, but the inaccuracies remain unresolved. Therefore, I am requesting immediate intervention and investigation from the Consumer Financial Protection Bureau. 
Under FCRA 602 ( A ), 604, 607 ( B ), 611, and 623, and FDCPA 807 and 809, every creditor and data furnisher must ensure the accuracy, integrity, and verifiability of the data they report to the credit bureaus. Reporting unverifiable or duplicate information, or failing to investigate consumer disputes properly, constitutes willful noncompliance under FCRA 616 and FDCPA 813. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Open Date : XX/XX/XXXX High Balance : {$140000.00} This account is inaccurately reported as having a late payment. I dispute this reporting because I have never made any late payments on this account. The creditor has not provided any verified record or proof of delinquency. Under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher may report information they know or should know is inaccurate. This false late payment has lowered my credit score and affected my credibility. I am demanding immediate correction of the payment history to reflect all on-time payments. 
XXXX XXXX XXXXXXXX XXXX XXXX Charge-Off * * Open Date : XX/XX/XXXX High Balance : {$6800.00} This listing is a duplicate of another XXXX XXXX  account already reported above. Duplicate charge-offs create a misleading and damaging impression of multiple defaults. FCRA 607 ( B ) requires maximum possible accuracy, and this duplication violates that standard. I demand immediate deletion of this duplicate entry to prevent continued harm. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge-Off * * Open Date : XX/XX/XXXX High Balance : {$2500.00} This account is reported as charged off, but I have no knowledge of any such XXXX account. The reporting agency and furnisher must provide the original signed credit agreement and full payment history for verification. If they can not validate it within 30 days, this account must be permanently deleted per FCRA 611 ( a ) ( 5 ). Reporting unverifiable accounts is illegal under FDCPA 807 ( 2 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off * * Open Date : XX/XX/XXXX High Balance : {$2800.00} XXXX strongly dispute this reporting because I have never had any account with XXXX XXXX  XXXX XXXX There is no proof, application, or signature linking me to this account. Under FCRA 609 ( a ) ( 1 ) ( A ), I am entitled to full disclosure of the data source and documents used to verify this debt. Failure to provide such verification requires deletion of this entry. Misrepresenting debt information violates FDCPA 807. 
XXXX XXXX XXXXXXXX XXXX XXXX Charge-Off * * Open Date : XX/XX/XXXX High Balance : {$20000.00} This account is reported as a charge-off. I dispute this information as it is inaccurate and unverifiable. I have no record of any default or charge-off under this account number. If the furnisher can not provide full documentation, including the original signed agreement and verified payment history, it must be deleted under FCRA 611 ( a ) ( 5 ). Reporting unverifiable information violates FCRA 623 ( a ) ( 1 ) ( A ), and I request immediate correction or removal. 
XXXXXXXX XXXX XXXX XXXX  Late Payment * * Open Date : XX/XX/XXXX High Balance : {$25000.00} This account is being reported with a late payment history. I dispute this report because I have never made any late payments on this account. The creditor has failed to provide verified proof of any delinquency. Reporting inaccurate late payments is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and the duty to ensure accuracy under 607 ( B ). I am requesting correction of the payment history to show on-time status immediately. 
XXXX XXXX XXXX XXXXXXXX * * Open Date : XX/XX/XXXX XXXX XXXX : {$6500.00} I have no knowledge or recollection of opening or maintaining this account. The charge-off is being reported without proper verification. Under FCRA 611 and FDCPA 807 ( 2 ) ( A ), no debt collector or creditor may misrepresent the character or legal status of a debt. I request the immediate deletion of this unverifiable account unless full proof, including the original signed contract and payment records, is produced. 
XXXX XXXX XXXX XXXX XXXX  Collection * * Open Date : XX/XX/XXXX High Balance : {$2400.00} This collection account is fraudulent and not mine. I have never received any correspondence, validation notice, or original creditor information regarding this debt. Under FCRA 611 ( a ) and FDCPA 809 ( a ), the furnisher is required to provide full validation of the alleged debt before reporting. Since there is no verification, this account must be deleted immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX  Collection * * Open Date : XX/XX/XXXX High Balance : {$6800.00} XXXX dispute this account as completely false and unverifiable. I have no knowledge of this debt or any account with XXXX XXXX XXXX. The creditors failure to produce original validation documents constitutes a violation of FDCPA 807 and FCRA 623. This account should be deleted immediately for lack of proper verification and accuracy. 
XXXX XXXXXXXX XXXX  XXXX * * Open Date : XX/XX/XXXX High Balance : {$1500.00} This charge-off account is being reported inaccurately. I have never opened any account with this creditor. No original signed agreement, billing statement, or verification of ownership has been provided to substantiate this debt. Under FCRA 611 ( b ), unverifiable information must be deleted within 30 days of dispute. Continued false reporting may constitute willful noncompliance under FCRA 616.

These inaccurate, fraudulent, and duplicate accounts are a direct violation of my consumer rights and have caused significant harm to my financial reputation. Under FCRA 611 ( a ) ( 1 ), all disputed information must be reinvestigated and verified within 30 days. If the data can not be verified, it must be deleted immediately. Continued noncompliance may result in civil liability under FCRA 616 and 617, and FDCPA 813. 
I request that the Consumer Financial Protection Bureau initiate a full investigation into these matters and compel the credit bureaus and furnishers to provide documented proof of each disputed account. If such verification can not be produced, I demand immediate deletion of all inaccurate and unverifiable accounts listed above. Please provide written confirmation of the outcome of your investigation within 30 days.

Company response to consumer: Closed with non-monetary relief