Consumer complaint received 2025-10-16 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:
To Whom It May Concern I am submitting this formal complaint regarding multiple inaccurate, unauthorized, and unverifiable entries on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These accounts include charge-offs, collections, and hard inquiries that I did not authorize or have any knowledge of. These inaccuracies have caused substantial harm to my creditworthiness and financial stability XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$840.00} Charge Off I never opened or authorized this account. Its appearance on my credit report is inaccurate and defamatory, and I demand its immediate deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$1400.00} Charge Off This account was never opened by me. It is a fraudulent entry. Its continued reporting is in direct violation of the FCRAs requirement for maximum possible accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} Charge Off This account is unknown to me. Charge-offs reported without verification are misleading and illegal under FCRA Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Late Payment I have never made any late payments on this account. Reporting it as late is false and violates FCRA Section 611 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Charge Off I did not authorize this account. Reporting a charge-off is false and violates FCRA accuracy obligations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$2700.00} Collection I have no knowledge of this account. Reporting it as a collection without verification violates FCRA Sections 607 ( b ), 609 ( a ), and FDCPA Section 807. I demand immediate deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$3000.00} Collection This collection is unauthorized and unverified. Its reporting is misleading and violates FCRA and FDCPA obligations for accuracy NATIONAL CREDIT ADJUST XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Collection I did not open or authorize this account. Reporting it as a collection is false and illegal under FCRA Sections 607 ( b ), 609 ( a ), and 623 ( a ) EMPOWER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$610.00} Charge Off I have no knowledge of this account. Reporting a charge-off without my authorization is false, misleading, and violates FCRA Sections 607 ( b ), 609 ( a ), and FDCPA Section 807 I request that all of the above items be investigated immediately. Any account or inquiry found to be inaccurate, unverifiable, or unauthorized must be deleted from my credit file in accordance with 15 U.S.C. 1681i ( a ) within 30 days of receipt. Failure to comply will result in reporting to the Consumer Financial Protection Bureau, state Attorney General, and taking all necessary legal action for damages and statutory penalties

Company response to consumer: Closed with non-monetary relief