Consumer complaint received 2025-09-10 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 filing this complaint because multiple accounts are being inaccurately reported on my Equifax credit report and remain despite prior disputes. These accounts are causing ongoing harm to my credit profile and violate several federal laws including the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), 1681i, 1681s-2, and the Gramm-Leach-Bliley Act ( GLBA ) privacy protections under XXXX. The reporting is misleading, not XXXX XXXX compliant, and has not been verified with original documentation even after direct requests for investigation. 

The first account in dispute is XXXX XXXX XXXX  account number XXXX * * which was opened on XX/XX/XXXX with a high balance of {$1700.00} and is being reported as a charge-off. This charge-off was posted despite the fact that the alleged delinquency stemmed from a temporary insurance billing issue that was resolved immediately. No original signed agreement, billing history, or notice of default has ever been provided. This violates FCRA 607 ( b ) which requires maximum possible accuracy and 611 ( a ) which requires reinvestigation when a dispute is filed. 

The second account is XXXX XXXX ( XXXX XXXX ) account number XXXX * * * * * * opened on XX/XX/XXXX with a high balance of {$2500.00} and reported as a charge-off. I contacted the creditor requesting a payment arrangement during a hardship period but never received notice or documentation of default. This reporting violates FCRA 611 ( a ) because there has been no proper verification and GLBA 6802 because no documentation has been shared with me even after multiple requests. 

The third account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX * * * * * * * * * * opened on XX/XX/XXXX with a high balance of {$1600.00} which is being reported as a charge-off. I never received proper notification of default or documentation proving that the account was legally charged off. The creditor has failed to provide billing logs, payment history, or proof of delinquency which is required for accurate reporting under FCRA 623 ( b ) and 1681e ( b ). 

The fourth and fifth accounts belong to XXXX XXXX. Account number XXXX * * * * * * * * * * opened on XX/XX/XXXX with a high balance of {$5300.00} is reported as charged off and account number XXXX * * * * * * * * * * opened on XX/XX/XXXX with a high balance of {$3400.00} is reported with a late payment. These derogatories are a result of a family emergency that temporarily affected my ability to make on-time payments. I submitted documentation and requested accommodations but no verification of the charge-off status or original signed agreements were ever provided. This violates FCRA 623 ( a ) which requires furnishers to report accurate information and FCRA 611 which requires proper reinvestigation. 

The sixth account is XXXX XXXX ( XXXX ) account number XXXX * * * * * * * * * * opened on XX/XX/XXXX with a high balance of {$11000.00} reported as a charge-off. No copy of the original agreement, billing history, or proof of notice was ever furnished. This reporting is misleading and incomplete and violates FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ).

I am requesting that the CFPB require Equifax and the furnishers to provide copies of the original signed applications, complete billing history, timestamps of alleged delinquencies, and proof of notification before any derogatory item was reported. If these accounts can not be verified with original documentation they must be permanently deleted from my credit file under FCRA 611 ( a ) ( 5 ). I also request that the CFPB ensure compliance with Metro 2 data reporting standards to prevent further harm.

These accounts have caused significant emotional and financial harm, including higher interest rates, credit denials, and reputational damage. I have made good-faith efforts to resolve these matters directly with the credit bureau but the accounts remain without proper verification. I am seeking CFPB intervention to enforce compliance, require proper reinvestigation, and permanently delete any unverifiable or inaccurate data from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief