Consumer complaint received 2025-10-01 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 filing this formal complaint against multiple creditors and furnishers for knowingly and negligently reporting inaccurate and unverifiable information on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Upon reviewing my credit report, I have identified several accounts and inquiries that are being reported inaccurately, without proper validation, and in some cases, duplicated. These furnishers are damaging my credit profile and violating my rights under federal law. Below are the disputed items : Disputed Accounts and Issues : XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Reported as a charge-off with a balance of {$1100.00}. This account is not mine and has not been validated. 

XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Reported as a charge-off with a balance of {$1100.00}. This appears to be a duplicate/misreported account. 

XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Opened XX/XX/XXXX, showing a charge-off of {$1500.00}. This account is unverifiable and outdated. 

XXXX  XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  Multiple entries reported as charge-offs ( {$1100.00} on XX/XX/XXXX, {$720.00} late payment on XX/XX/XXXX ). These are being reported in a duplicative and inconsistent manner. 

XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Charge-off of {$1900.00} opened XX/XX/XXXX. Inaccurate balance reporting. 

XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX ) XXXX XXXX  Charge-off with {$3200.00}. Not validated. 

XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Showing {$0.00} balance but still reported as charge-off. This is misleading and must be corrected. 

XXXX XXXX AUTO ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX {$16000.00} charge-off ; unverifiable and improperly reported. 

XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  {$2400.00} charge-off ; inaccurate and unvalidated. 

XXXX XXXX ( Acct : XXXX XXXX ) XXXX XXXX {$1300.00} charge-off ; disputed. 

XXXX ( Acct : XXXX XXXX XXXX  ) XXXX XXXX  {$8200.00} charge-off ; unverifiable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX ) * Collection of {$180.00} ; not properly validated. 

Unverified and Excessive Inquiries ( all on XX/XX/XXXX ) : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX These multiple hard inquiries were made without my authorization and constitute a violation of my rights under the FCRA. 

Legal Violations : FCRA 1681e ( b ) : Failure to assure maximum possible accuracy.

FCRA 1681i : Failure to properly investigate and delete inaccurate/disputed information.

FCRA 1681s-2 ( b ) : Furnishers continued reporting of inaccurate information after dispute.

Requested Relief : I respectfully request that the CFPB : Conduct a full investigation into the above-listed creditors and furnishers. 

Direct these furnishers and credit bureaus to provide documented validation of each account and inquiry. 

Delete all inaccurate, unverifiable, and duplicated entries from my credit report immediately. 

Ensure these furnishers comply with the FCRA and cease further violations of my consumer rights. 

Failure to take corrective action will leave me no choice but to pursue further remedies available under the law, including civil action for statutory damages.

Company response to consumer: Closed with non-monetary relief