Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts reported on my credit report that are either inaccurate, unauthorized, or falsely reported as late payments, charge-offs, or collections. I demand immediate investigation and correction/deletion of these accounts. 

Below is the detailed list of accounts in question : Accounts with Late Payments ( Inaccurate Reporting ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$270000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$30000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXXXXXX  Accounts Reported as Charge-Offs ( I Have No Knowledge Of These ) : XXXX XXXX XXXX XXXX  High Balance : {$480.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$460.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$390.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$680.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXXXXXX  Accounts in Collection ( I Have No Knowledge Of These ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$480.00} XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6500.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance XXXX {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$930.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$750.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$490.00} Date Opened XXXX XX/XX/XXXX I categorically deny any knowledge or responsibility for the accounts listed as charge-offs or collections. Additionally, the accounts reported with late payments contain inaccurate history and need to be corrected immediately. These false reports are negatively affecting my creditworthiness and causing undue stress. 

I request the CFPB to : Investigate the above accounts and the reporting practices of the relevant creditors. 

Direct the credit reporting agencies to delete all accounts that I have no knowledge of.

Correct the inaccurate late payment history on accounts where I have never missed a payment. 

Provide written confirmation once these corrections or deletions have been made. 

Please treat this matter with urgency. I expect a thorough investigation as mandated under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention.

Company response to consumer: Closed with explanation