Consumer complaint received 2025-08-29 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: WI

Complaint narrative:
I am filing this complaint against the credit reporting agencies and the listed furnishers for reporting inaccurate, unverifiable, and damaging accounts on my credit profile. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the Consumer Financial Protection Act. Despite my disputes, no proper validation has been provided, and these accounts continue to harm my credit reputation, financial opportunities, and overall consumer rights. 
XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Chargeoff This account is inaccurately being reported as a charge-off. The reporting violates FCRA 602 ( A ) which clearly requires information to be accurate, complete, and not misleading. I never received proper validation of debt, no original contract has been provided, and no evidence has been shown that this account was legally charged off. A {$240.00} balance is minimal and should not have been escalated into a derogatory status without any attempt of resolution or notice. The emotional and financial damage caused by this misreporting has hindered my creditworthiness, impacting my ability to qualify for basic financial needs. This account must be deleted immediately as it remains unverifiable and improperly reported. 
XXXX XXXX XXXXXXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Late Payment This reporting of late payments is false, misleading, and incomplete under FCRA 607 ( b ). No proof has been provided that payments were late, and no billing statements or records of delinquency have been shared despite repeated requests. A {$120.00} balance being reported as derogatory is abusive and does not reflect the true payment history. The continued reporting of this false late payment has significantly harmed my credit profile, unfairly portraying me as irresponsible. Under FDCPA 809, debt validation is required and has not been fulfilled. This tradeline must be removed as it can not be verified with complete and accurate documentation. 
XXXX XXXX High Balance : {$7500.00} Date Opened : XX/XX/XXXX Late Payment This account is being reported with late payments but there is no record of proper notice, billing statements, or evidence of contractual agreement to support such claims. FCRA 611 requires furnishers to properly investigate and respond to disputes, yet this account continues to be verified without proof. The balance of {$7500.00} is inaccurately inflated and does not reflect any real loan or credit arrangement that I recognize. This tradeline has caused major damage to my credit file, including denial of credit opportunities, higher insurance rates, and significant stress. This account must be deleted immediately for failure to validate and provide factual reporting. 
XXXX XXXX XXXX XXXX : {$330.00} Date Opened : XX/XX/XXXX XXXX This account is inaccurately listed as a charge-off. No documentation has been provided to validate the debt, no contract was signed by me, and no notices were issued in compliance with FDCPA requirements. A {$330.00} balance should not have resulted in a charge-off without attempts to resolve or provide an opportunity for cure. Reporting this as a derogatory charge-off is false and harmful, violating FCRA XXXX which requires furnishers not to report information they know or should know to be inaccurate. This account must be deleted immediately as it is unverifiable and misleading. 
XXXX XXXX XXXX XXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX Collection This collection account is inaccurate and unverifiable. XXXX XXXX has failed to provide validation of debt under FDCPA 809 ( b ). I have never received proof of the original creditor, the chain of assignment, or itemized billing. Reporting this account without proof constitutes false and deceptive collection practices under FDCPA 807. This account is causing significant harm to my credit standing, lowering my score and blocking access to fair credit opportunities. Since no validation has been provided and the reporting is incomplete, this account must be deleted immediately. 
XXXX XXXX XXXX XXXX High Balance : {$100.00} Date Opened : XX/XX/XXXX Collection This account is inaccurate, unverifiable, and being reported in violation of my consumer rights. XXXX XXXX XXXX has failed to provide any documentation proving ownership or assignment of this debt. No contract, no account history, and no validation have been provided. Under FDCPA 809 ( b ), they must validate before continued collection or reporting, which has not been done. FCRA 611 also requires furnishers to fully investigate disputes, yet this account continues to report inaccurately. The alleged {$100.00} balance is insignificant but is causing substantial damage by being reported as derogatory. This account must be deleted immediately. 
Relief Sought : I respectfully request the CFPB to investigate these violations and enforce compliance. I am demanding : 1. Immediate deletion of all the disputed accounts listed above. 
XXXX. Full investigation into the failure of XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX to comply with FCRA and FDCPA requirements. 
XXXX. Corrective action against the credit reporting agencies for allowing unverifiable and inaccurate accounts to remain on my file. 
Conclusion : These accounts are damaging, unverifiable, and being reported in violation of my consumer rights under federal law. I am seeking XXXX assistance to hold the furnishers and credit reporting agencies accountable and to ensure the permanent removal of these accounts.

Company response to consumer: Closed with non-monetary relief