Consumer complaint received 2025-09-21 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 complaint through CFPB to address significant inaccuracies on my credit report. There are accounts and unauthorized inquiries listed that are not associated with me, which are severely impacting my credit score and financial reputation. I request that CFPB thoroughly investigate these issues and ensure accurate information is reflected on my credit report. 

XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$180.00} Chargeoff XX/XX/XXXX This account is reported as a charge-off, which is false and misleading. I never opened, authorized, or used this account. I have never received any statements, notices, or communications indicating any debt or default. Reporting this as a charge-off harms my creditworthiness and violates FCRA 1681s-2 ( b ), which mandates accurate reporting by furnishers. I have documentation confirming I am not associated with this account. The account can not be verified, and under FCRA 1681i, it must be removed. Continued reporting of this false charge-off causes denial of credit and financial distress. This accounts presence on my credit report is a clear violation of 1681e ( b ), which requires maximum accuracy. I demand deletion of this account immediately. 

XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff XX/XX/XXXX This account is another duplicate of the same XXXXXX/XX/XXXX debt. Reporting multiple charge-offs for a single debt is inaccurate and misleading. FCRA 1681i and 1681e ( b ) require accurate reporting. I have documentation proving the duplication. This account should never have been reported separately. Continued reporting damages my credit profile. I have previously disputed this item and provided evidence. Failure to remove it constitutes a willful violation. I demand immediate deletion. Reporting this multiple times is a direct violation of FCRA. I request written confirmation of removal. 

XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$350.00} Late PaymentXX/XX/XXXXThis account is inaccurately reported as late. I have maintained timely payments on this account and never missed any due date. Reporting a false late payment violates FCRA 1681s-2 ( b ) and 1681i, which require accurate reporting and reinvestigation. There is no documentation supporting this delinquency. This inaccurate reporting has harmed my creditworthiness. I demand removal of this false late payment. Continued reporting is misleading, damages my credit score, and violates FCRA 1681e ( b ). I request written confirmation of correction. 

XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late PaymentXX/XX/XXXXThis account falsely lists a late payment. I have proof of timely payments. Reporting this inaccuracy violates FCRA 1681i and 1681e ( b ). No documentation exists to justify this late reporting. Continued reporting of unverifiable information harms my ability to secure credit. I demand deletion and written confirmation of correction. Reporting false information constitutes a willful violation of FCRA. I provided prior evidence showing account was paid on time. Immediate action is required. 

XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XX/XX/XXXXThis account is reported as late incorrectly. I have documentation proving timely payments. FCRA 1681i and 1681e ( b ) require deletion of unverifiable items. Continued reporting damages my credit. I demand reinvestigation, correction, and removal of this item. Prior disputes confirm inaccuracy. No proof exists for the reported delinquency. This accounts reporting is a violation of FCRA. Immediate deletion is required. Written confirmation of removal is requested. 

XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXXXX/XX/XXXXThis charge-off is inaccurate. I either fully paid or never authorized this account. FCRA 1681i, 1681s-2 ( b ), and 1681e ( b ) require accurate reporting and reinvestigation of disputed items. I have documentation confirming no valid delinquency exists. Reporting this account is harmful and violates my rights. Immediate deletion is demanded. Continued reporting constitutes willful violation of FCRA. Written confirmation of removal is required.

I request through CFPB that all inaccuracies on my report be promptly investigated, corrected, and that my credit report reflects accurate information. I have documentation ready to verify my claims, and I request that CFPB handle this complaint thoroughly to protect my financial future and prevent any negative impact on my lending and credit opportunities.

Company response to consumer: Closed with non-monetary relief