Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Equifax for reporting multiple inaccurate, unverifiable, and outdated items on my credit report. Despite my previous disputes, Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report information without proper verification or permissible purpose. This is causing significant damage to my credit profile and violates my rights under FCRA 1681e ( b ), 1681i, and 609 ( a ) ( 1 ). 

Details of the Problematic Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$25000.00} | Late Payment Equifax is reporting a high-balance account with a derogatory payment status without providing monthly billing statements or payment history upon dispute. This is a violation of FCRA 1681i for failure to reinvestigate disputed data. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment Late payment is being reported on an account with a {$0.00} balance and closed status. Reporting negative information on a closed, zero-balance account is misleading under FCRA 1681e ( b ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off A charge-off is being reported despite a {$0.00} balance. There is no documentation or verification provided upon my dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1100.00} | Late Payment This is reported with a late payment and balance, but no proof of the original debt, contract, or validation notice has been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$0.00} | Charge-Off This charge-off is being reported even though no balance remains. It is outdated, misleading, and unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off A charge-off with no remaining balance is inaccurately harming my credit score. No supporting documentation has been produced. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX This account is outdated, closed, and has a {$0.00} balance. Continued derogatory reporting is unfair and unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$580.00} | XXXX I have no knowledge of this debt. I requested verification under FCRA XXXX ( a ) ( XXXX ), but Equifax failed to provide documentation or a contract. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$13000.00} | Charge-Off This is an unknown account reported as charged-off. No original agreement or account records have been provided despite dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$690.00} | Late Payment This account remains unverified, and no proper debt validation has been provided. Reporting without validation violates FCRA XXXX and FDCPA XXXX. 

Unauthorized or Improper Inquiries ( No Permissible Purpose under FCRA 604 ( a ) ( 3 ) ) : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my consent and continue to appear on my credit report, negatively affecting my score. I never applied for credit from these companies. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau XXXX Equifax to : Delete all unverifiable and inaccurate accounts listed above Remove all unauthorized and unverified inquiries Provide verification documentation for all remaining disputed accounts, including signed agreements and payment histories as required by FCRA 609 ( a ) ( 1 ) Complete a proper reinvestigation within XXXX  days per FCRA 1681i Cease the continued reporting of obsolete or misleading information in violation of FCRA 1681e ( b ) These ongoing violations are causing financial harm, distress, and unfair denials of credit. If not corrected, I am prepared to pursue further legal remedies under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief