Consumer complaint received 2025-09-24 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:
b'I am filing this complaint because the following accounts are being inaccurately and unlawfully reported on my credit file in violation of the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681, the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. 1692, and the Consumer Financial Protection Act. These accounts are unverifiable, misleading, and are creating financial harm.\XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX Late Payment\nThis account is being reported with late payments that are not accurate or verifiable. I have never been provided with proper documentation proving that these alleged late payments are valid. Under FCRA 609 and 611, I have the right to request full verification and validation, yet the furnisher has failed to provide this. The continuous reporting of unverifiable late payments is damaging my credit and preventing me from accessing financial opportunities. This conduct violates FCRA 623(a)(1)(A), which prohibits furnishing inaccurate information. I demand immediate investigation and removal of these inaccurate late payment notations.\nXXXX XXXX XXXX  Date Opened XXXX  Balance XXXX Collection\nThis collection is inaccurate and not properly validated. The alleged balance is not supported by any signed agreement or contract showing I owe this debt. Reporting this account without full proof of liability is a violation of FDCPA 809(b), which requires proper debt validation before reporting to the credit bureaus. Additionally, this debt is being duplicated across different collection agencies, causing double reporting and further damaging my credit. This is unfair, misleading, and a direct violation of FCRA 602. I request that this account be deleted immediately.\XXXX XXXX XXXX  Date Opened XXXX Balance XXXX  Charge Off\nThis account is reported as a charge-off but the balance is questionable and has not been validated. Under FCRA 611 and FDCPA 807, a creditor cannot report false or misleading information. This account continues to be reported as derogatory without providing original documentation, account history, or proof of the alleged balance. The charge-off is also being reported past the allowed period of seven years, which violates FCRA 605(a). The continued reporting of this derogatory item is unlawful and must be deleted immediately.XXXX XXXX XXXX  Date Opened XXXX Balance XXXX  Late Payment\nThis account reflects late payments that are not accurate and are causing severe damage to my credit profile. The creditor has failed to show documented proof of the alleged delinquency. Under FCRA 623(b), the furnisher is obligated to conduct a reasonable investigation upon dispute. However, the reporting continues without any proper reinvestigation, violating my rights under the law. This ongoing harm is unfair and I demand deletion of the inaccurate late payment reporting.\XXXX XXXX XXXX XXXXX Date Opened XXXX  Balance XXXX Collection\nThis small-dollar collection is being reported without proper validation. The agency failed to comply with FDCPA 809(a) which requires a written notice of debt validation within five days of initial contact. I have never received such documentation. Reporting this without validation violates my consumer rights and unfairly reduces my creditworthiness. This inaccurate collection must be deleted.XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance XXXX Collection\nThis account is being reported as a collection without full validation or contractual evidence. The balance is disputed as I have never received any documentation proving I owe this amount. FDCPA 807 prohibits the use of false or misleading representation in connection with the collection of any debt. By reporting this unverifiable account to the bureaus, this company is engaging in deceptive practices. Under FCRA 623(a)(1)(B), this account must be removed as it cannot be verified.\XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX  Collection\nThis collection account is inaccurate and misleading. I have no contractual relationship with this company, nor have I been provided with validation of this debt. FDCPA 809(b) requires proper verification before collection reporting. By failing to provide validation, the furnisher is in violation of the law. Reporting unverifiable information to the credit bureaus violates FCRA 623. This account is creating financial hardship and should be deleted immediately.\XXXX XXXX Date Opened XXXX Balance XXXX Charge Off\nThis account is being reported as a charge-off with a balance of $0, which is inaccurate and misleading. A charge-off should not be reported with a zero balance unless it has been sold or transferred, and if so, the new creditor must provide proof of ownership. This type of misleading reporting violates FCRA 607(b), which requires maximum possible accuracy. The reporting of this account in its current form is damaging my credit and must be deleted immediately.\XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance XXXX Charge Off\nThis account is being reported as a charge-off with an alleged balance, but no documentation has ever been provided to validate this debt. Reporting a charge-off without proper verification violates FCRA 623(a)(1)(A) because inaccurate information is being furnished. Additionally, a charge-off must be accurately dated and reported within the 7-year limit under FCRA 605(a). The continued reporting of this unverifiable and inaccurate charge-off is unfair, misleading, and creating undue hardship. I demand deletion.XXXX XXXX XXXX XXXX Date Opened XXXX  Balance XXXX Late Payment\nThis account reflects late payments that are not accurate and not verifiable. I have not received any evidence or proper documentation showing that these alleged late payments occurred. Under FCRA 611, a furnisher must reinvestigate disputed items, but this has not been properly done. Continuing to report unverifiable derogatory information is damaging my credit and violates FCRA 623(b). This late payment reporting must be removed immediately.\nXXXX XXXX XXXX XXXX Date Opened XXXX  Balance XXXX Late Payment\nThis account is reported with derogatory late payments that are unverified. The creditor has failed to provide account statements or documentation proving delinquency. Reporting without validation violates my rights under FCRA 609 and FDCPA 807. This inaccurate reporting is creating ongoing harm and is not in compliance with the law. This late payment information must be deleted.\XXXX XXXX XXXX XXXX Date Opened XXXX  Balance XXXX Late Payment\nThis account is reported with late payments even though the balance is shown as XXXX, which is misleading and inaccurate. A $0 balance account should not be reported as delinquent. Reporting this way violates FCRA 607(b), which requires maximum possible accuracy. This account is harming my consumer file and must be corrected or deleted immediately.XXXX XXXX XXXX  Date Opened XXXX Balance XXXX Late Payment\nThis account is reported with late payments that are not accurate. No signed contract or proper account history has been provided to substantiate the delinquency. FCRA 623(b) requires furnishers to conduct a reasonable investigation upon dispute, which has not been done here. The continued reporting of unverifiable negative information is unlawful and must be deleted.\XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX Late Payment\nThis mortgage account is being reported with late payments that are not accurate and are disputed. I have requested validation but have not received any documentation supporting these alleged late payments. Under FCRA 602, consumers have the right to fair and accurate reporting. The reporting of late payments without proper validation is a violation of my rights and must be corrected or deleted.XXXX XXXX XXXX XXXX  Date Opened XXXX Balance XXXX  Collection\nThis collection is not valid and has not been properly validated under FDCPA 809(b). I have not received a debt validation notice nor have I been provided proof that XXXX  has legal authority to collect this debt. Reporting unverifiable information to the credit bureaus is a violation of FCRA 623(a)(1)(B). This inaccurate and harmful account must be deleted immediately.\XXXX XXXX XXXX Date Opened XXXX Balance XXXX  Charge Off\nThis account is being reported as a charge-off with an alleged balance that is not supported by documentation. FCRA 611 gives me the right to dispute and request a reinvestigation, but no reinvestigation has been conducted. Reporting an account as charged-off without proper validation or accurate reporting dates is a direct violation of FCRA 623. This item is damaging my credit and must be removedXXXX XXXX XXXX Date Opened XXXX Balance XXXX Collection\nThis account is being reported as a collection, but I have never received proper documentation proving that I owe this debt. XXXX XXXX is a known debt buyer and often reports accounts without full chain of title or proof of ownership. Under FDCPA 809(b), debt collectors must provide validation of the debt, but this was never provided. Reporting unverifiable information violates FCRA 623(a)(1)(A). This account must be deleted.XXXX XXXX XXXX  Date Opened XXXX Balance XXXX Collection\nThis is a duplicate collection account reported by the same company with a different balance. Duplicate reporting of the same alleged debt is misleading and unlawful under FDCPA 807(2)(A), which prohibits false representation of the amount or legal status of a debt. Reporting two different balances for the same account violates FCRA 607(b), which requires maximum possible accuracy. This duplicate entry is unfair, harmful, and must be removed immediately.XXXX XXXX XXXX  Date Opened XXXX  Balance XXXX  Charge Off\nThis account is being reported as a charge-off but the balance is not verified and no supporting documentation has been provided. Under FCRA 611, I have the right to dispute and request reinvestigation, but the creditor has failed to conduct a reasonable investigation. Reporting a charge-off without proper proof of delinquency violates FCRA 623. This derogatory entry is harming my credit and must be deleted.XXXX XXXX XXXX XXXX XXXX Date Opened XXXX  Balance XXXX  Charge Off\nThis account is reported as a charge-off by a debt buyer. I have never entered into a direct agreement with Spring Oaks Capital, and no validation or proof of assignment has been provided. Reporting this account without validation violates FDCPA 809(b) and FCRA 623. Furnishing unverifiable information is misleading and creates ongoing harm. This account must be removed.\XXXX XXXX XXXX XXXX  Date Opened XXXX Balance XXXX Late Payment\nThis account is being reported with late payments that are not accurate. No billing statements or signed agreements have been produced to prove these alleged delinquencies. Under FCRA 623(b), the furnisher must investigate disputed information, but the reporting continues without verification. This derogatory reporting is inaccurate and must be deleted.XXXX XXXX XXXX XXXX Date Opened XXXX  Balance XXXX Collection\nThis collection account is inaccurate and has not been validated. FDCPA 809(a) requires collectors to send written notice of the debt within five days of initial communication, which I never received. Reporting an unverifiable balance is a violation of FCRA 623(a)(1)(B). This collection is damaging my credit and must be deleted immediately.\nConclusion\nI respectfully request that the Consumer Financial Protection Bureau investigate these unlawful reporting practices and hold the furnishers accountable under FCRA, FDCPA, and other applicable consumer protection laws. These accounts are inaccurate, unverifiable, misleading, and unfairly damaging my credit profile. I demand immediate deletion of these accounts from my credit file to restore accuracy and fairness as guaranteed by federal law.'

Company response to consumer: Closed with non-monetary relief