Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
I am submitting this formal complaint regarding several inaccurate and misleading entries currently appearing on my consumer credit reports. These inaccuracies are causing significant harm to my credit reputation and financial standing. Despite my prior attempts to resolve these issues directly with the reporting furnishers and credit bureaus, the matters remain unresolved. 

Below are the accounts in question : XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$67000.00} * * Listed as Late Payment This reporting is inaccurate. I have never made a late payment on this account, and the reported payment history is false and misleading. I am requesting immediate correction and verification of the accounts payment history to reflect accurate reporting. 

XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$54000.00} * * Listed as Late Payment This entry is incorrect and violates the FCRAs requirement for accuracy. I have never been late on this account. The creditor must provide documented evidence of any alleged late payments or remove the derogatory remarks. 

XXXX  Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} * * Listed as Charge-Off I have no knowledge of this account and have never maintained any financial relationship with this entity. The account appears to be fraudulent or reported in error. I request full investigation and deletion of this unverified and inaccurate tradeline. 

XXXX XXXX  Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} * * Listed as Charge-Off I have no knowledge of this account and have never authorized or opened any account with this company. This is an erroneous entry that must be deleted immediately if the furnisher can not provide complete verification and signed account documentation. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$490.00} * * Listed as Charge-Off I have no knowledge of this account. This account appears to be inaccurately reported or possibly fraudulent. I request that this tradeline be fully investigated and permanently removed unless verified with complete documentation. 

These entries are in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which mandates that all consumer reporting agencies and furnishers must ensure maximum possible accuracy of information. Continuing to report unverifiable or false data constitutes willful noncompliance. 

I am requesting the CFPB to : Investigate the furnishing and reporting practices of the above-listed creditors. 

Require the credit bureaus and furnishers to provide complete verification or documentation of these accounts. 

Delete or correct any data that can not be fully verified. 

I expect a detailed response outlining the results of your investigation and confirmation that my consumer rights have been upheld. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation