Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
I am filing this complaint because my Equifax credit report is reporting multiple inaccurate, misleading, and unverified accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts are damaging my creditworthiness and creating a false picture of my financial history, and they are being reported without proper investigation or validation. 

The account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$150.00} is reported as a charge-off without any proper documentation. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} is showing late payments even though the balance is XXXX, which is inaccurate and misleading. The account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$550.00} is being reported as a charge-off without full verification. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * opened on XX/XX/XXXX with a balance of {$0.00} is being reported as a charge-off, which is contradictory and false because a XXXX balance can not be charged-off. The account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$110.00} is being reported with false late payments that never occurred. The account QUALITY XXXX XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$8900.00} is also being reported with late payments that are not accurate. 

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$8200.00} is showing as a charge-off that has not been verified. In addition, there are multiple XXXX  accounts being reported unlawfully. The account XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$1500.00}, the account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$920.00}, and the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$910.00} are all listed as charge-offs without proof of ownership, contracts, or complete validation, which violates FDCPA 809. 

The account XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$0.00} is showing late payments even though no such history exists, which is inaccurate and harmful. The account XXXX XXXX XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$280.00} is being reported as a collection without proper validation. The account XXXX XXXX  PUBLIC SERVICE XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$210.00} is also reported as a collection without documentation. Finally, the account XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$130.00} is listed as a collection without verification. 

These accounts violate FCRA 607 ( b ), which requires maximum possible accuracy, and FCRA 611, which requires reinvestigation and deletion of unverifiable information. They also violate FDCPA requirements for validation of debt. Reporting late payments on XXXX balance accounts, charge-offs without evidence, and collections without proof are all unlawful practices that misrepresent my history and cause significant damage to my credit profile. 

I am requesting the Consumer Financial Protection Bureau to take immediate enforcement action and require Equifax and the furnishers of these accounts to provide complete validation or delete these inaccurate, unverifiable, and misleading accounts. My credit report must reflect only accurate and verifiable information in compliance with federal law, and these violations must be corrected without delay.

Company response to consumer: Closed with non-monetary relief