Consumer complaint received 2025-07-24 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies for reporting inaccurate and unverifiable information on my consumer credit file which is causing significant harm to my financial well-being and reputation the items listed below include incorrect addresses late payment history and an unauthorized inquiry all of which I am disputing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) and I request immediate reinvestigation and correction of these issues.

XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$1000.00} * * Law : FCRA 1681s-2, 1681e ( b ), 1681i Issue : This account is showing as charged off with a balance I do not recognize. 
Story : I was never properly notified about this account going into chargeoff status, and no full validation has been provided to confirm this debt belongs to me. I believe this may be a reporting error or due to unauthorized use. Please investigate and provide all supporting documentation or remove this entry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} * * Law : FCRA 1681s-2 ( a ), 1681i Issue : The late payment reporting is inaccurate and misrepresentative. 
Story : I made arrangements due to financial hardship and believe the reporting of late payments is unjustified. The lender did not follow up as agreed, and this has severely damaged my credit. I dispute the accuracy and demand correction or deletion of the derogatory marks. 

XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance Owed : {$760.00} * Law : FCRA 1681e ( b ), 1681s-2 ( a ), 1681i Issue : Chargeoff status and balance inaccurate or unvalidated. 
Story : I do not recall defaulting on this account. I request the full validation of the debt including original creditor, contract, and payment history. Until validated, I ask for deletion under my consumer rights. 

XXXX XXXX XX/XX/XXXX Law : FCRA 1681b ( f ), 1681b ( c ), 1681i Issue : Unauthorized inquiry with no permissible purpose or application.

Story : I have no relationship with this company and did not authorize them to access my credit. This hard pull is harmful and unjustified. I demand its removal through reinvestigation. 

Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the 30-day timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and other legal channels including civil liability under 15 USC 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief