Consumer complaint received 2025-11-07 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:
To Whom It May Concern, I am submitting this formal complaint against the following creditors and data furnishers for willful violations of my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). These companies have reported inaccurate, unverifiable, and misleading information that has caused severe damage to my creditworthiness and emotional distress. The information being furnished is not supported by any proper documentation or permissible purpose as required by law, and despite prior disputes, no correction or deletion has been made as per federal compliance standards. 

XXXX Account XXXX : XXXX | Date Opened : XX/XX/XXXX | Balance : {$16000.00} This account falsely shows late payments that were never verified by any supporting documentation. Such inaccuracy violates FCRA 607 ( b ) and 611 ( a ). I request deletion for noncompliance and failure to provide verifiable records. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$3500.00} * * The reported late payment is inaccurate and unsupported by valid proof of delinquency. Continued false reporting violates FCRA 602 ( A ), 623 ( a ) ( 1 ) ( A ), and 611 ( a ). I demand removal due to unverifiable data. 

XXXX XXXX XXXX Account No : XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$110.00} * * This collection account has not been validated under FDCPA 809 ( b ) and must be deleted for lack of verification. 

XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$150.00} * * No contract or proof of ownership was provided, violating FCRA 611 ( a ) and FDCPA 807 ( 8 ). 

XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$100.00} * * Reported as collection without proper validation, violating FCRA XXXX ( a ) ( XXXX ) ( D ). 

XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$92.00} * * Duplicate and unverifiable listing, violating FCRA 607 ( b ).

XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$150.00} * * Unverified and inaccurate account, in violation of FCRA 611 ( a ) and FDCPA 809 ( b ). 

XXXX XXXX XXXX  Account No : XXXX | Date Opened : XX/XX/XXXX | Balance : {$6700.00} * * This charge-off reporting is inaccurate and unverifiable. No proof of charge-off or final statement has been presented. This violates FCRA 605 ( a ) ( 5 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). Please delete immediately. 

XXXX Date : XX/XX/XXXX This inquiry was unauthorized and conducted without permissible purpose or my written consent. Reporting such inquiry violates FCRA 604 ( a ) ( 2 ) and 607. Delete immediately.

I respectfully request that the Consumer Financial Protection Bureau conduct a full investigation into these violations, ensure the deletion of the inaccurate charge-off and unauthorized inquiry from my credit file, and require the data furnishers to provide verifiable documentation of their reporting claims. I expect written acknowledgment and resolution from both XXXX XXXX XXXXXXXX and XXXX XXXX in accordance with FCRA 611 ( a ) ( 5 ) ( A ). These errors have caused measurable damage to my creditworthiness, and I seek correction, accountability, and assurance that my rights will be protected going forward.

Company response to consumer: Closed with non-monetary relief