Consumer complaint received 2025-10-13 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: AR

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains inaccurate, incomplete, and unverified information that has not been corrected despite multiple disputes. These errors have caused damage to my creditworthiness, created financial harm, and demonstrate noncompliance by the credit reporting agencies and furnishers with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request a full and immediate investigation and correction of all inaccurate items listed below. 

XXXX XXXXXX/XX/XXXXXXXX, TX XXXX This address does not belong to me, and its reporting on my credit file is completely false. Including incorrect addresses can lead to mistaken identity, prevent me from accessing credit, and may be considered negligent reporting under FCRA Section XXXX ( b ). This persistent inaccuracy demonstrates a failure to follow reasonable procedures to ensure maximum possible accuracy. I demand immediate removal of this address from all files. 

XXXX XXXX High Balance {$6000.00}, Opened XX/XX/XXXX, Late Payment. The reported late payment is incorrect and unverifiable. I have never received any documentation proving this delinquency. Reporting such information without proper validation violates FCRA Section XXXX ( a ) ( XXXX ) ( A ), which requires furnishers to provide only accurate information. The inclusion of this late payment without verification is materially misleading, causing undue harm to my credit profile. 

XXXX XXXX XXXX XXXX High Balance {$0.00}, Opened XX/XX/XXXX, Collection. I dispute this account in its entirety. No documentation has been provided to substantiate the alleged debt. Reporting an account I do not owe constitutes a violation of both FCRA XXXX and FDCPA Sections XXXX and XXXX. This collection account is inaccurate, damaging, and can not remain on my credit report without verified proof. 

XXXX XXXX XXXXXX/XX/XXXX, Opened XX/XX/XXXXXX/XX/XXXX, Balance {$610.00}, XXXX. This XX/XX/XXXXis being inaccurately reported. I request a full validation of this account, including original creditor statements, payment history, and verification of the alleged balance. Failure to provide such documentation violates FCRA Section XXXX ( b ) and misrepresents my financial standing. 

XXXX XXXXXX/XX/XXXXXX/XX/XXXX Opened XX/XX/XXXX, Balance {$860.00}, XXXX. The reporting of this account is false and unverified. Without proper supporting evidence, the reporting violates FCRA Section XXXX and constitutes negligent misrepresentation of my credit history, causing substantial harm in credit evaluations. 

XXXX XXXXXX/XX/XXXX, Opened XX/XX/XXXX, Balance {$0.00}, XXXX. This account is inaccurately reported as a charge-off. The reported information is unverifiable, misleading, and violates FCRA Section XXXX ( a ) ( XXXX ) ( A ). Maintaining this false information without verification exposes me to financial harm and limits my access to credit. 

XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00}, XXXX. Reporting this account as a charge-off without proper validation constitutes a direct violation of FCRA Section XXXX ( a ). I request detailed documentation and immediate correction or deletion. 

XX/XX/XXXX, Opened XX/XX/XXXX, Balance {$0.00}, XXXX. This account is inaccurate and unverifiable. Reporting this false charge-off violates my right under FCRA Section XXXX ( b ) to have only accurate information included in my credit report. 

XXXX XXXX XXXXXX/XX/XXXX, Opened XX/XX/XXXX, Balance {$0.00}, XXXX. There is no supporting documentation for this account. Reporting it is misleading, harmful, and in violation of FCRA XXXX. The inclusion of this inaccurate charge-off materially damages my credit profile. 

XX/XX/XXXXXXXX, Opened XX/XX/XXXX, Balance {$130000.00}, Late Payment. This reported late payment is not mine and can not be verified. Reporting unverified late payments violates FCRA Section XXXX ( a ) and misrepresents my payment history, harming my financial credibility. 

XXXX XXXX, Opened XX/XX/XXXX, Balance {$9700.00}, Late Payment. This information is false and must be corrected. Reporting unverified delinquencies constitutes willful noncompliance with FCRA Section XXXX ( b ) and demonstrates a failure to follow reasonable procedures to ensure accuracy. 

XXXX XXXXXX/XX/XXXX, Opened XX/XX/XXXX, Balance {$5800.00}, Late Payment. I dispute this late payment as inaccurate. Without validation from the original creditor, reporting this violates FCRA Sections XXXX and XXXX, and is materially misleading. 

XXXXXX/XX/XXXX, Opened XX/XX/XXXX3, Balance {$0.00}, Late Payment. Reporting this late payment without documentation is inaccurate, misleading, and violates FCRA XXXX. I request immediate reinvestigation. 

XX/XX/XXXX Opened XX/XX/XXXX, XXXX {$0.00}, XXXX. Reporting this account as a XX/XX/XXXX without proper validation violates FCRA XXXX. I demand deletion unless full verification is provided. 

XXXX XXXX XXXX XXXXXX/XX/XXXX, Opened XX/XX/XXXX, Balance {$0.00}, XX/XX/XXXX. This account is being inaccurately reported. Maintaining unverified charge-offs violates FCRA Sections XXXX and XXXX ( a ) ( XXXX ). 

XXXX XXXXXX/XX/XXXX, Opened XX/XX/XXXX, Balance {$0.00}, XXXX. This charge-off is false and misleading. I request immediate reinvestigation under FCRA Section XXXX ( a ) and deletion if unverifiable. 

XX/XX/XXXX Opened XX/XX/XXXX, Balance {$0.00}, XXXX. Reporting this account as aXX/XX/XXXX without documentation violates FCRA XXXX ( b ). 

XX/XX/XXXX, Opened XX/XX/XXXX, Balance {$980.00}, Collection. Reporting this collection without verification is inaccurate and materially harmful. It violates FCRA Section XXXX ( a ) and FDCPA Section XXXX, and I demand immediate deletion unless properly verified. 

XX/XX/XXXX Opened XX/XX/XXXX, Balance {$440.00}, Collection. This account is inaccurately reported. No verification has been provided, violating FCRA Section XXXX ( b ). 

XXXXXX/XX/XXXX, Opened XX/XX/XXXX, Balance {$280.00}, Collection. This account is false and unverifiable. Reporting it harms my credit and violates FCRA Sections XXXX and XXXX. Immediate correction or deletion is required. 

The credit reporting agencies and furnishers have failed to maintain accurate records, verify disputed information, or provide lawful documentation, violating FCRA XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, as well as FDCPA XXXX. I request the CFPB to investigate these violations, ensure permanent deletion of all inaccurate information, and require written confirmation of all corrective actions taken.

Company response to consumer: Closed with non-monetary relief