Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to the ongoing inaccurate and unverified information being reported on my credit file. Despite multiple disputes, the following accounts and inquiries remain inaccurately reported and are causing damage to my creditworthiness. These furnishers have failed to comply with the legal requirements of proper investigation, verification, and reporting accuracy as required under federal law. 

Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX This is my only accurate and verifiable address. Any other address that appears on my credit report not matching this current address is incorrect, outdated, or associated with fraudulent or unauthorized use of my identity. According to FCRA Section 609 ( a ) ( 1 ) and 611 ( a ), all unverified and inaccurate addresses must be deleted from my file as they lead to misrepresentation of my identity and financial history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account is reported inaccurately as a charge-off with a XXXX balance, which conflicts with FCRA Section 607 ( b ) requiring maximum accuracy of consumer information. Since the creditor is not reporting any balance and no verification documents have been provided, the tradeline can not be substantiated and must be deleted immediately. 

XXXX XXXX * Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$1400.00} This account was reported without my written consent or original signed agreement. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing data that can not be proven as accurate or authorized. The creditor failed to validate the debt and verify the accuracy before reporting, violating federal standards and damaging my credit reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$300.00} This reporting reflects an incomplete and inconsistent status. The creditor failed to provide any proof of default or lawful assignment of debt. Under FCRA 611 ( a ) ( 5 ) and 623 ( b ), unverifiable or incomplete accounts must be promptly deleted after reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$2200.00} The original creditor has not provided any certified documentation confirming my authorization or validation of this alleged debt. FCRA 609 ( a ) ( 1 ) ( A ) grants my right to receive a copy of all documentation used in verification, which has not been provided. Continued reporting without verification constitutes a willful violation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$2400.00} This tradeline exceeds the permissible reporting time under FCRA Section 605 ( a ) ( 4 ) and should no longer appear on my report. The failure to remove this outdated charge-off is an unlawful act of negligent reporting. 

XXXX XXXX * Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$110.00} This account reflects inaccurate balance information. FCRA Section 623 ( a ) ( 2 ) obligates furnishers to correct any incomplete or false data. The lack of verified balance and inconsistent payment record violates this provision. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account showing a charge-off with XXXX balance is logically and legally inconsistent. As per FCRA 607 ( b ), the information must be accurate and complete. Since the balance is XXXX, this account must be deleted immediately as it is no longer valid debt. 

XXXX XXXXXXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$970.00} This account is inaccurately reported as late. Payments were made on time, and no verifiable proof of delinquency exists. Reporting false late payments violates FCRA 623 ( a ) ( 1 ) and 607 ( b ), and correction or deletion is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$2600.00} This debt was never validated. Under FDCPA 809 ( b ), I requested verification which was never provided. Reporting a charge-off without proof of ownership or signed contract violates both FCRA and FDCPA standards. 

XXXX XXXX XXXX XXXXXXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account inaccurately reflects late payment history despite being paid on time and closed with XXXX balance. This violates FCRA 607 ( b ) and 623 ( a ) ( 2 ). 

XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$89.00} There is no verified documentation supporting this alleged charge-off. Continued reporting without proof violates FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$2900.00} This account has been duplicated and misreported multiple times across my file. Duplicate or unverifiable entries are prohibited under FCRA 607 ( b ) and must be deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$7300.00} This account was never late according to my payment records. FCRA 623 ( a ) ( 1 ) ( A ) mandates furnishers report accurate data only ; any deviation constitutes noncompliance. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$3800.00} This account is falsely reported as a charge-off without providing validation of the original creditor or lawful assignment. FCRA 609 and 611 require deletion of unverifiable data. 

XXXX  XXXX * Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$330.00} The reporting agency has not provided verifiable proof of this debts ownership or origin. Unverified debt reporting violates FCRA Section 623 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$660.00} This account lacks original contract evidence. Under FCRA 609 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ), such unverifiable accounts must be deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$450.00} This is a third-party debt buyer account. No original documentation or assignment proof has been produced. FCRA and FDCPA prohibit continued reporting without proof of ownership. 

XXXX  XXXX * Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$1500.00} This account is inaccurately aged and unverifiable. Under FCRA 605 ( a ) and 623 ( a ) ( 1 ) ( A ), it must be deleted as obsolete information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : XX/XX/XXXX The date of last activity is misreported and conflicts with FCRA 607 ( b ), which mandates the accuracy of all reported dates. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} A zero-balance charge-off is invalid and misrepresents my financial history. FCRA 623 ( b ) requires deletion when data can not be verified. 

XXXX  XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | Balance Owed : {$250.00} The creditor has not produced any supporting documents validating this charge-off. FCRA Section 609 ( a ) ( 1 ) ( A ) grants me the right to view such evidence, which remains unprovided. 

XXXX XXXX XXXX XXXX XXXX Collection * * Date Opened : XX/XX/XXXX | Balance Owed : {$300.00} This account was never authorized to be reported as a collection, violating FDCPA Section 807 ( 8 ) and FCRA 607 ( b ). 

XXXX  XXXX XXXX * * Date Opened : XX/XX/XXXX | Balance Owed : {$370.00} This entry appears to be a false or duplicate collection with no validation. Under FCRA 611 ( a ) ( 5 ) and FDCPA 809 ( b ), unverifiable data must be deleted. 

Inquiries : XXXX XX/XX/XXXX XXXX  F XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my written consent or permissible purpose. Under FCRA Section 604 ( a ) ( 3 ), any inquiry without proper authorization must be removed from my report immediately. 

In conclusion, these accounts and inquiries are either inaccurately reported, unverified, or unauthorized. Each furnisher and bureau involved has failed to meet their obligations under the FCRA and FDCPA. I am requesting that the CFPB conduct a full investigation into these violations and compel the furnishers and credit reporting agencies to delete or correct the false data immediately. I also request a written confirmation of your findings and actions taken upon completion of this complaint.

Company response to consumer: Closed with explanation