Consumer complaint received 2025-09-18 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:
To Whom It May Concern, I am submitting this complaint because my credit report contains serious inaccuracies and unverifiable information that violate my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 602, 607 ( b ), 609, 611, and 623, consumers have the right to accurate and verifiable reporting, and no company has the right to damage a consumers credit file with false or unauthorized information. The following accounts and inquiries are not accurate, are unverifiable, and are harming my financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Reported as a Charge Off. This account is being reported inaccurately and in violation of FCRA 607 ( b ) which requires maximum possible accuracy. I never received proper validation of this alleged debt, and the reporting of a charge off without proper substantiation is reckless, harmful, and misleading. The creditor has failed to provide proof that this account belongs to me, and under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher shall knowingly report inaccurate information. 
XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$820.00} Reported as a Charge Off. This account reflects the same unlawful behavior. No validation of debt has ever been provided, and the continued reporting of a charge off that is unverified violates my rights under FCRA 611 which requires proper investigation of disputes. The creditor has also failed to ensure accuracy under FCRA 623 ( b ). This has severely impacted my ability to obtain housing, credit, and financial stability. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Reported as a Collection. This account is inaccurate and unverifiable. I never received proper validation of this alleged debt under FCRA 609 ( a ) ( 1 ), and no original signed agreement, billing history, or proof of ownership has been provided. Reporting this account as a collection without proper substantiation is reckless and unlawful under FCRA 623 ( a ) ( 1 ) ( A ). This account is damaging my creditworthiness and must be deleted immediately. 
XXXX  XX/XX/XXXX Reported as an Inquiry. This is a duplicate and inconsistent reporting of the same inquiry, which is unlawful and misleading under FCRA 607 ( b ). Reporting the same alleged inquiry multiple times inflates the negative impact on my report and constitutes inaccurate reporting. This must be corrected and removed immediately. 
Because of these inaccurate and unverifiable reports, I have been denied fair access to credit, suffered emotional distress, and experienced unnecessary financial hardship. I demand that the Consumer Financial Protection Bureau take immediate action to compel the credit reporting agencies and furnishers to delete these items in full compliance with FCRA 611. I further request written confirmation of the results of this investigation.

Company response to consumer: Closed with non-monetary relief