Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains serious inaccuracies that are causing me harm and violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. I have disputed these items directly with the credit bureaus but they continue to report inaccurate, unverifiable, and incomplete information. This complaint is necessary to ensure that my rights are protected and that these errors are permanently corrected. 

ACCOUNTS XXXX BANK XXXX | Opened : XX/XX/XXXX | Balance : {$17000.00} | Late Payment This account is reporting late payments that are inaccurate and harmful to my credit standing. Under FCRA Section XXXX ( a ), I have the right to request reinvestigation of any disputed information. The furnisher of information must conduct a reasonable investigation and provide complete documentation. If they can not provide the original signed agreement, payment history records, and specific proof of each alleged delinquency, the late payment data must be removed immediately. Continued reporting of unverifiable delinquencies is considered willful noncompliance under FCRA Section XXXX and entitles me to damages. These inaccurate lates are raising my interest rates and lowering my credit score, causing measurable harm. I demand a full reinvestigation and deletion of this item if verification can not be produced in writing. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$7900.00} | Collection This account is being reported as a collection, which is incorrect and misleading. Under FCRA Section 607 ( b ) and Section 623 ( a ) ( 3 ), furnishers must ensure that all information they report is accurate and complete. A collection status requires verifiable proof of default and transfer of debt to a third-party collector, which I have never received. If you can not produce the notice of default, the notice of assignment to collections, and a full payment ledger showing the alleged past-due status, then this tradeline must be removed immediately. The current reporting is unfairly damaging my credit profile, causing denial of credit opportunities and emotional distress. I request a reinvestigation and deletion if this account can not be properly substantiated. 

XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1800.00} | Charge Off This charge-off is being reported inaccurately and must be thoroughly reinvestigated. FCRA Section 623 ( a ) ( 1 ) prohibits furnishers from reporting information they know or should know is inaccurate. If XXXX XXXX can not provide the original signed application, the full payment history, and proof that this account was lawfully charged off, then the reporting must be deleted immediately. Continued reporting of this account without proper verification constitutes willful noncompliance under FCRA Section XXXX and negligent noncompliance under Section 617. This account is severely damaging my credit score and impacting my ability to obtain fair financing. I demand that this tradeline be corrected or permanently deleted. 

XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$10000.00} | Charge Off This account is listed as a charge-off, which I dispute as inaccurate. Under FCRA Section 611 ( a ) ( 5 ) ( A ), if disputed information can not be verified after reinvestigation, it must be deleted from the file. I am requesting that you obtain documentation from the furnisher including the original agreement, payment records, and proof that the account was charged off in accordance with applicable banking regulations. Failure to verify means you must remove this item to maintain compliance with the FCRA. Continued reporting without proof is causing financial harm and unfairly lowering my credit score. I demand deletion if verification is not possible. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Charge Off This account is being reported as a charge-off without proper validation or supporting evidence of default. There is no signed agreement, no complete payment history, and no proof that this balance is accurate. The lack of documentation makes this reporting unverifiable under FCRA 611 ( a ) ( 1 ). The balance has remained inconsistent across different credit reporting agencies, violating FCRA 607 ( B ) which requires maximum possible accuracy. This reporting is misleading and creates the false appearance of a severe delinquency on my credit profile. This has caused repeated denials for personal loans, higher interest rates on credit card approvals, and emotional stress for my family. FCRA 623 ( a ) ( 1 ) ( A ) forbids furnishers from reporting inaccurate or unverified information, and continuing to do so is willful noncompliance under FCRA XXXX. I demand the deletion of this account to restore my consumer report to an accurate state. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Collection This collection is reported with inconsistent balances and dates across multiple reports, violating FCRA 607 ( B ) which requires maximum accuracy. There has been no validation of debt, no chain of title proving ownership, and no contract proving I owe this amount. The failure to provide proof of assignment from the original creditor to this collector makes this account unverifiable under FCRA 611. The reporting misleads lenders into thinking I have an unpaid collection which lowers my creditworthiness. This has resulted in denials for auto loans, credit cards, and housing applications, causing extreme hardship. Continued reporting without proper validation is a direct violation of FCRA 623 ( a ) ( 2 ), which requires furnishers to correct and update information that is incomplete or inaccurate. The account must be deleted to restore accuracy and fairness to my credit file. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} Charge Off This account is inaccurately listed as a charge-off without proper documentation. The balance is not updated accurately, and there is no evidence of a notice of default ever being sent to me. FCRA 623 ( a ) ( 2 ) requires that furnishers update and correct information that is incomplete or misleading. The failure to validate this account despite multiple disputes proves that it can not be verified and therefore must be removed under FCRA 611 ( a ) ( 5 ). Its continued presence is creating unfair harm by lowering my score and implying a pattern of delinquency that is not true. This has affected my ability to refinance my mortgage, increased my cost of borrowing, and has caused severe stress and anxiety. Reporting unverifiable negative information violates my right to an accurate consumer report under FCRA 602 ( A ). Deletion is the only acceptable remedy.

Because the above accounts and inquiries are unverifiable, incomplete, and being reported in violation of the FCRA and FDCPA, I am requesting that the Consumer Financial Protection Bureau intervene and require the credit bureaus and furnishers to properly investigate, validate, and if they can not prove 100 % accuracy, immediately delete these items from my credit report. My rights under federal law must be enforced and I am seeking full correction of my credit file and prevention of future harm

Company response to consumer: Closed with explanation