Consumer complaint received 2025-09-19 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 under my rights granted by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable federal and state laws. My credit report contains multiple inaccuracies, including late payments, charge-offs, unauthorized inquiries, and a bankruptcy entry, all of which are either incorrect, unverifiable, or belong to accounts that are not mine. These inaccuracies have caused severe financial harm, reputational damage, and undue stress. I demand immediate investigation and deletion of all erroneous items. 
Disputed Items : XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is being inaccurately reported against my credit history. I have never authorized or incurred this debt. Reporting this account as a charge-off without verification is a blatant violation of FCRA Section 611, which requires that any disputed information must be verified before it remains on my report. This erroneous entry has significantly reduced my credit score, impaired my ability to secure loans, and caused undue stress and anxiety. I demand this account be investigated and permanently removed. 
XXXX XXXX XXXX XXXX High Balance : {$290.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is invalid and has been erroneously attributed to me. It significantly damages my credit profile, affects my ability to secure loans, and creates undue stress. Under FCRA Section 611, unverifiable charge-offs must be removed. Continued reporting constitutes a violation of federal law and may lead to legal liability for the credit bureau. I demand permanent deletion. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$20000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is inaccurate. Its continued presence misrepresents my financial responsibility and has led to decreased creditworthiness, higher insurance rates, and lost financial opportunities. Under FCRA Sections 609 and 611, I am entitled to dispute inaccurate information and demand its removal. Immediate correction is required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is inaccurately reported as having late payments. Falsely reporting paid or zero-balance accounts is unlawful under FCRA and harms my financial record. Continued reporting exposes the credit bureau to legal liability. I demand deletion and verification. 
I request that all disputed items be thoroughly investigated and immediately removed or corrected. I further demand written confirmation of the actions taken, including a revised credit report reflecting only accurate, lawful, and verifiable information. Failure to comply within the statutory 30-day period may result in additional legal action under the FCRA, FDCPA, and other applicable consumer protection statutes.

Thank you for your immediate attention and resolution of this matter.

Company response to consumer: Closed with non-monetary relief