Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
To Whom It May Concern I am filing this CFPB complaint because my credit file contains multiple inaccurate and unverifiable accounts. These items violate the accuracy and reinvestigation requirements under the FCRA 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a. I request a full investigation, deletion of all accounts I do not recognize, and correction of all inaccurate late payment reporting. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$290.00} XXXX I have no knowledge of this account and no contract or agreement linking me to it exists. Reporting a charge-off without furnishing accurate and verifiable records violates 15 USC 1681e ( b ) because unverifiable information can not meet standards of accuracy and 15 USC 1681i requires full reinvestigation. This account must be deleted because it is not mine and can not be verified with original documentation proving responsibility. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$620.00} Chargeoff I do not recognize this account and no legal contract or application can be produced proving I authorized or used it. Reporting a charge-off that can not be proven violates the FCRAs accuracy and reinvestigation standards under 1681e ( b ) and 1681i. Since I have no relationship with this account, it must be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff This account is not mine and should not appear in my file. No binding agreement exists tying me to it and reporting a charge-off under my name without proper verification violates 1681e ( b ) because the information is not accurate. This must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment The reported late payment is inaccurate. I have never made a late payment on this account, and furnishing a false delinquency violates 1681e ( b ) because it lowers accuracy and 1681i because such an error must be corrected upon dispute. I request correction of the full payment history to reflect on-time performance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Chargeoff I have no knowledge of this account and no records exist that connect me to any service or agreement. Reporting a charge-off without verifiable documentation violates 1681e ( b ) and reinvestigation is required under 1681i. This account must be deleted due to lack of verifiable proof. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Chargeoff This account does not belong to me. Reporting a charge-off that can not be proven with original signed records violates the FCRA accuracy requirement and I request immediate deletion because it is not mine and can not be validated under 1681e ( b ) and 1681i. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late Payment The reported late payment history is inaccurate because I have never made a late payment. Furnishing false delinquency data violates the FCRAs accuracy rules and must be corrected immediately under 1681e ( b ) and 1681i. Please correct the entire payment history to reflect on-time payments. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} Chargeoff I do not recognize this account and have no connection to any contract or obligation. Reporting a charge-off without verified records violates 1681e ( b ) and reinvestigation must occur under 1681i. This item must be deleted for lack of verifiable documentation.

I request full reinvestigation, deletion of all unrecognized accounts, correction of all inaccurate payment histories, and written confirmation once completed.

Company response to consumer: Closed with non-monetary relief