Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Account : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Type : Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 609, 611 Issue : Account is reporting as a chargeoff with a balance owed, but no original signed contract or verifiable records have been provided to prove ownership or liability. 
Story : I have never received any original signed documentation validating this account. No statements, signed agreements, or correspondence exist in my records to confirm I am responsible. This account appears to be reporting inaccurately, causing damage to my credit profile. Reporting an unverifiable chargeoff misrepresents my payment history and violates my rights to accurate reporting. 
Instruction : Please reinvestigate and delete if verifiable documentation can not be produced. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$960.00} Type : Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : The account is marked as charged off without proper validation. 
Story : I have never received any original documentation or validation for this account. Statements and records that prove I am the responsible party have not been provided. This inaccurate reporting is harming my credit score and my ability to obtain credit. A chargeoff without proof is incomplete and misleading, violating FCRA accuracy requirements. 
Instruction : Delete immediately if validation can not be provided. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Type : Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Account is reporting with a chargeoff status without clear validation of liability. 
Story : I have not received any verification documents or statements showing that I authorized this account or that I am responsible for this debt. The chargeoff status is being reported inaccurately and negatively affects my credit score. Reporting without proper verification is a violation of FCRA standards for accuracy. 
Instruction : Delete if no proof can be provided. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Type : Chargeoff Law : FCRA 602 ( A ), 609, 611 Issue : This account is reported incorrectly and unverifiable. 
Story : I have not received any documents proving that I am legally responsible for this account. The account reporting is incomplete, misleading, and harmful to my credit. Continued reporting of unverifiable information is a violation of the FCRA. 
Instruction : Remove immediately if unverifiable. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Type : Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : The chargeoff status is being reported without verified documentation of liability. 
Story : I dispute this entry because the creditor has not provided original signed contracts, accurate statements, or other documentation that proves I am liable. Without verification, this account is incomplete, misleading, and unlawfully reported. The chargeoff inaccurately portrays my payment history. 
Instruction : Please delete this account if proper verification can not be produced. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Type : Chargeoff Law : FCRA 602 ( A ), 611 Issue : Account is unverifiable and reported inaccurately. 
Story : I have never received verification showing I am responsible for this account. Statements, account agreements, or original contracts are missing. This account is being reported inaccurately, lowering my credit score and misleading lenders. Reporting unverifiable information violates FCRA 611 requirements. 
Instruction : Delete immediately if no documentation exists. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Type : Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Reporting as a chargeoff without accuracy and validation. 
Story : I dispute this account because I have not received proof of ownership, signed agreements, or billing statements. This account is damaging my credit profile and misrepresents my creditworthiness. Continuing to report unverified information is a violation of the FCRA. 
Instruction : Remove if unverifiable. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : Chargeoff Law : FCRA 602 ( A ), 611 Issue : Account shows chargeoff with {$0.00} balance which is contradictory and misleading. 
Story : Reporting a chargeoff with no balance owed is inherently inaccurate and misleading. This incomplete information misrepresents my financial responsibility and violates FCRA accuracy rules. 
Instruction : Delete this entry immediately as it is incomplete and unverifiable. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

Company response to consumer: Closed with explanation