Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I am filing this complaint because EQUIFAX is reporting multiple accounts on my credit file that are inaccurate, incomplete, or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. After reviewing my EQUIFAX report, I identified several tradelines that contain material omissions, lack proper documentation, or were furnished without adequate verification. These issues constitute violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). I am requesting a full investigation and correction of all inaccurate data, and the deletion of any account that can not be verified with proper supporting evidence. 

The XXXX account ( XXXX, opened XX/XX/XXXX, balance {$9800.00} ) is being reported as charged off with no verified documentation from the original creditor supporting the accuracy of the tradeline. Reporting a charged-off debt without proper investigation or itemization violates FCRA 623 and Metro 2 requirements for charged-off accounts. XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, opened XX/XX/XXXX, balance {$5400.00} ) also shows a charge-off but lacks itemized monthly history and I never received a notice of charge-off, which constitutes violations of FCRA 607 ( b ) and 623 ( a ) ( 7 ). The XXXX XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) contains a 60-day late mark that has not been supported with evidence of mailed billing statements or a proper payment schedule under ECOA/Reg B , making the delinquency unverified and in violation of FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX account ( XXXX, opened XX/XX/XXXX, balance {$2000.00} ) is a secured credit product that was charged off without any collateral information or post-default communication being provided. This makes the tradeline incomplete and unverifiable under FCRA 611 ( a ) and Metro 2 guidelines. XXXX XXXX XXXX XXXX XXXX account ( XXXX, opened XX/XX/XXXX, balance {$330.00} ) similarly lacks proper validation that a charge-off notice was ever sent to me, and the monthly balance history does not match Metro 2 standards for charge-offs. The XXXXXXXX XXXX tradeline ( XXXX, opened XX/XX/XXXX ) reports multiple 3060 day late payments, but no billing proof or late-fee assessments were supplied, making the derogatory reporting unverifiable and inconsistent with FCRA 623 ( a ) ( 1 ) ( D ).

Debt collectors are also furnishing unverifiable and non-validated accounts. XXXX XXXX XXXX, reporting an account originally from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance {$1700.00} ), has provided no validation of ownership or right to collect the debt, in violation of 15 U.S.C. 1692g and FCRA 623 ( b ). XXXX XXXX XXXX, reporting an account from TXXXX XXXX XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance {$720.00} ), has failed to provide any signed agreement or billing history, violating 15 U.S.C. 1692g and FCRA 609 ( a ). Additionally, XXXX XXXX ( opened XX/XX/XXXX, balance {$6500.00} ) reports multiple late payments from XX/XX/XXXX to XX/XX/XXXX but has not provided any billing agreement or documented loan terms. Because Denefits is not a licensed lender, this reporting appears to violate the FCRA and constitutes a UDAP concern.

Due to the ongoing reporting of inaccurate, incomplete, and unverifiable data by EQUIFAX, I am requesting that the CFPB require a full reinvestigation of all disputed tradelines and ensure that any account lacking substantiated documentation is corrected or permanently deleted from my credit file. I am asking for confirmation of all actions taken to restore accuracy and compliance with federal law.

Company response to consumer: Closed with non-monetary relief