Consumer complaint received 2025-08-18 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 complaint because my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and the Consumer Financial Protection Act have been violated by the inaccurate, misleading, and harmful reporting of the following accounts. These accounts contain false information, improper late payment history, charge offs, and other damaging entries that do not reflect accurate or verifiable records. I have suffered financial, emotional, and reputational harm due to these violations, including being denied fair access to credit, housing opportunities, and reasonable interest rates. I am demanding a full investigation and correction of all reporting errors. 
XXXX XXXX XXXX XXXX Charge Off ( High Balance : {$19000.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Reported as charge-off with no proper verification of the debt. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information.

Story : This large balance is being reported without any documentation proving that I owe it. I never received contracts, billing statements, or notices validating the debt. Having such a huge charge-off listed makes it look like I walked away from a major obligation, which seriously damages my reputation and ability to qualify for credit or housing. The stress of seeing this on my report is overwhelming because it unfairly paints me as financially irresponsible when the debt has not even been proven to be mine. 
XXXX XXXX XXXX Charge Off ( High Balance : {$2600.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Issue : Charge-off reported without proper validation. 
Law : FCRA 1681i requires reinvestigation.

Story : I was never notified properly before this account was marked as a charge-off. I have repeatedly requested verification but never received it. Seeing this charge-off every time I check my credit report is emotionally draining and financially damaging. Without proper evidence, it is unfair to hold me accountable for a balance that may not even belong to me. 
XXXX XXXXXXXX Charge Off ( {$290.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX Issue : Wrong charge-off reporting. 
Law : FDCPA 807 prohibits misrepresentation of debt.

Story : This small account is being reported in a way that makes me look irresponsible when in reality, the reporting is false. 
XXXX XXXX Late Payments ( {$20000.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Issue : Late payments inaccurately reported. 
Law : FCRA 1681e ( b ) maximum possible accuracy required.

Story : The reported delinquencies do not match my payment history. This has already led to higher auto loan interest rates, costing me thousands of dollars unfairly. 
XXXX Acct : XXXXXXXX XXXX Issue : Reported as Charge Off, High Balance {$0.00}, Date Opened XX/XX/XXXX. 
Law : FCRA requires that reports contain accurate balances. Reporting a {$0.00} balance as a charge-off is inconsistent and misleading.

Story : This account is showing as charged-off despite being listed with a {$0.00} balance. This is contradictory and misleading to creditors reviewing my report. If the account was charged-off, a balance must be shown, or if the balance is XXXX, the charge-off should not exist. This reporting inconsistency violates the principle of maximum possible accuracy. 
I have made multiple disputes regarding these accounts, yet the credit reporting agencies and furnishers continue to report inaccurate, unverifiable, and harmful information. This violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Each of these accounts represents ongoing harm, preventing me from accessing fair credit and opportunities. I am requesting that the CFPB require the furnishers and reporting agencies to immediately delete or correct these accounts, provide full validation, and ensure compliance with federal law. I respectfully request swift enforcement action to protect my rights and to ensure fair and accurate reporting on my consumer credit file.

Company response to consumer: Closed with non-monetary relief