Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint because several creditors and collection agencies are reporting false, inaccurate, and unverifiable information on my credit reports. These accounts have severely damaged my credit profile and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

Despite my previous attempts to dispute these accounts directly with the credit bureaus, the furnishers have failed to provide any documentation or legal proof verifying the accuracy or ownership of these accounts. I am requesting the CFPBs direct investigation and enforcement action to ensure full compliance with federal consumer protection laws.

INCORRECT PERSONAL INFORMATION The following addresses are inaccurate and must be deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX Wrong Address These addresses are not and have never been associated with me. Their presence suggests serious reporting errors or identity confusion, and I am demanding immediate removal. 
ACCOUNT DISPUTES & INVESTIGATION REQUEST XXXX XXXX XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | High Balance : {$24000.00} Issue : Late Payment This account is being falsely reported as having late payments. I have always paid on time and have never defaulted. Unless XXXX XXXX can provide full payment history, timestamps, and documentation verifying the alleged late payments, this entry must be corrected to Paid As Agreed or deleted under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | High Balance : {$21000.00} Issue : Charge-Off I have no knowledge of this account and have never financed a vehicle or taken any loan through XXXX XXXX XXXX . There is no signature, agreement, or proof of authorization linking this account to me. I am requesting complete deletion under FCRA 611 ( b ) for unverifiable information. 
XXXX XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$690.00} Issue : Charge-Off I have no knowledge of this account and never opened or authorized any account with XXXX XXXX XXXX . Reporting this without verified authorization violates FCRA 604 ( a ). Therefore, I demand deletion of this item immediately. 
XXXX XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | High Balance : {$650.00} Issue : Charge-Off This is not my account, and I have never had any dealings with XXXX XXXX XXXX . No signature, contract, or proof of debt exists. Please delete this inaccurate account immediately as required under FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX  Acct # XXXX | Opened : XX/XX/XXXX | High Balance : {$700.00} Issue : Charge-Off I have no association with this account, yet it is being reported as a charge-off. This is a clear case of identity confusion or inaccurate data furnishing. Please delete this unverified entry immediately. 
XXXX XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | High Credit : {$800.00} Issue : Charge-Off I have no knowledge of this account and have never authorized or opened any account with XXXX XXXX XXXX . Since there is no valid proof, signed application, or documentation connecting me to this account, I am demanding immediate deletion under FCRA 611 ( b ) and FCRA 604 ( a ) for unauthorized reporting. 
XXXX XXXX XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | High Credit : {$600.00} Issue : Charge-Off This account is being falsely reported as charged off. I have no knowledge of this debt and never received any verification or written notice from this creditor. This violates the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ). Since the account can not be verified or substantiated, it must be deleted immediately. 
XXXX XXXX XXXX Acct # XXXX | Opened : XX/XX/XXXX | High Credit : {$690.00} Issue : Collection Account I have no knowledge of this account and have never received any validation notice from XXXX XXXX XXXX as required by FDCPA 809 ( a ). This account appears to be a re-aged or fraudulent collection. Unless complete documentation proving my responsibility for this debt is provided, this item must be deleted immediately under FCRA 611 ( a ).

LEGAL BASIS OF MY COMPLAINT All the above-listed accounts are being reported in violation of : FCRA 602 ( A ) : Protects consumers from inaccurate credit reporting.

FCRA 611 ( a ) : Requires credit bureaus to conduct proper reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting inaccurate information.

FDCPA 809 ( a ) : Requires collectors to validate debt before reporting or collecting.

FCRA 604 ( a ) : Restricts the use of consumer reports without permissible purpose.

Each of these furnishers and data providers has failed to comply with these sections by reporting unverifiable, false, and damaging information.

IMPACT Because of these false reports, my credit score has dropped significantly, and Ive faced unfair denials for credit, housing, and financing. These actions have caused emotional distress and financial harm. I have already submitted disputes to the credit bureaus, but the items remain unresolved.

I am respectfully requesting the CFPB to : 1. Conduct a full investigation into each furnishers compliance with the FCRA and FDCPA.

2. Require deletion of all unverifiable and false accounts listed above.

3. Enforce corrective action and penalties for failure to comply with federal law.

REQUESTED RESOLUTION I request that the CFPB compel the furnishers and credit bureaus to immediately : Delete all unverified, inaccurate, or unauthorized accounts from my credit report.

Provide written proof and documentation if any item is verified.

Issue a corrected copy of my credit report reflecting these deletions.

Company response to consumer: Closed with non-monetary relief