Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
Dear CFPB Representative, I am filing this complaint under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) due to multiple inaccurate, unverified, and fraudulent items that have been reported on my credit file by several creditors and collection agencies. These errors have caused severe harm to my credit reputation, financial opportunities, and peace of mind. Despite my repeated efforts to resolve these disputes directly with the credit bureaus, they continue to appear on my report without proper verification or correction. 
I am providing a list of the accounts and details below. Each of these accounts violates FCRA 602, 607 ( b ), and 611 because they are either unverifiable, inaccurate, or completely fraudulent. 
ACCOUNT DISPUTES ( FCRA 602, 607 ( b ), 611 ) : XXXX XXXX Charge Off Date Opened : XX/XX/XXXX, XXXX Credit : {$1700.00} I have no knowledge of this account. There is no contract, agreement, or signature showing that I authorized or opened this account. I am requesting that you provide full documentation verifying its legitimacy under FCRA 609 ( a ) ( 1 ) ( A ). If you can not verify it, this account must be deleted immediately as a false charge-off. 
XXXX & XXXX XXXX Charge Off Date Opened : XX/XX/XXXX, XXXX Balance : {$3300.00} This account is being falsely reported as charged-off. I have never had any financial relationship with this creditor. No contract or record exists that connects me to this account. Reported data appears to be mixed or fraudulent. Please delete this account immediately as it violates FCRA 605 and 611 for unverifiable information. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX, XXXX Credit : {$2500.00} This account is reporting as charged off, which is completely inaccurate. I have no recollection or record of defaulting with this creditor. The reporting is damaging and misleading, violating the accuracy standards of FCRA XXXX ( b ). I am demanding a reinvestigation and removal if verification can not be provided. 
XXXX XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX, XXXX Credit : {$2200.00} This account is being reported with late payments that are completely false. I have never made any late payments with this account, and my payment history has always been timely. Reporting such false delinquencies is a violation of FCRA 623 ( a ) ( 1 ) ( A ) as the furnisher must ensure maximum possible accuracy. I am demanding correction of this accounts payment history to reflect an accurate, on-time record. 
XXXX XXXX XXXXXXXX Charge Off Date Opened : XX/XX/XXXX, XXXX Balance : {$870.00} This is not my account. There is no signed application, purchase history, or payment record connecting me to this creditor. I never authorized any transaction with XXXX XXXX. Therefore, this charge-off is inaccurate and must be removed immediately as unverified under FCRA 611 . 
XXXX XXXX XXXX XXXXXXXX Charge Off Date Opened : XX/XX/XXXX, XXXX Credit : {$700.00} I have no association with any XXXX  credit account or XXXX XXXX  card. The information being reported is false, misleading, and unverifiable. I demand deletion of this account as there is no evidence of my responsibility or authorization. 
XXXX XXXX XXXX XXXX Off Date Opened : XX/XX/XXXX, XXXX Balance : {$2100.00} This account does not belong to me and has been incorrectly reported as a charge-off. There is no signed contract, no verified application, and no payment records tying this account to me. As per FCRA 609 and 611, delete this unverifiable and damaging account from my credit report immediately. 
XXXX XXXX Charge Off Date Opened : XX/XX/XXXX, XXXX Balance : {$1600.00} This account is being reported as a charge-off, which is completely inaccurate. I have no record, contract, or association with this account. I never authorized any application or account with XXXX XXXX XXXX XXXX There is no documentation verifying my ownership or responsibility for this account. I demand immediate deletion as this violates FCRA 611 for unverifiable data. 
XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX, XXXX Balance : {$21000.00} This account is being reported with late payments that are completely false and misleading. I have never missed any payments or defaulted on this auto account. The information being reported is inaccurate and defamatory. As per FCRA 607 ( b ), furnishers must ensure maximum possible accuracy. Please correct this account to reflect an on-time payment history immediately. 
XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX, XXXX Balance : {$25000.00} This account is also inaccurately reported with late payment history. I have never been delinquent on this account, and I demand an immediate reinvestigation. The creditor has failed to provide verifiable proof of any late payments. This violates FCRA 623 ( a ) ( 1 ) ( A ), as furnishers must not report information known to be inaccurate. Correct this account immediately. 
XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX, XXXX Balance : {$7000.00} This charge-off is false and unverified. I have never authorized or opened any such account with XXXX XXXX XXXX XXXX. There is no contract, signed agreement, or legitimate documentation connecting me to this account. Reporting unverifiable and fraudulent data violates FCRA 611 and must be deleted from my credit file immediately. 
XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX, XXXX Balance : {$2000.00} Another false charge-off under the same creditor name appears on my report, which clearly shows duplicate or mixed information. I have no account, relationship, or transaction with XXXX XXXX. This is a serious error, and I demand deletion of this account immediately under FCRA 602 and 611. 
XXXX XXXX Collection Date Opened : XX/XX/XXXX, XXXX Balance : {$3400.00} This collection account is completely unknown to me. I have no knowledge, agreement, or obligation connected to this company. There has been no notice of debt validation or any attempt to verify this alleged balance. Under the FDCPA ( 15 U.S.C. 809 ) and FCRA 609 ( a ) ( 1 ) ( A ), I am requesting full validation including the original creditor name, signed documentation, and proof of ownership. If verification can not be produced within the legal timeframe, this item must be deleted immediately.

DETAILS OF VIOLATION : Each of the above accounts has been reported to one or more of the credit bureaus ( XXXX, Equifax, and XXXX  ) without proper verification. Under FCRA 611, a credit bureau must remove any information that can not be verified within 30 days. Despite my prior written disputes, the bureaus have failed to conduct a lawful reinvestigation or provide evidence of accuracy. The continued reporting of these items constitutes willful negligence and non-compliance. 
Additionally, some of these creditors have reported false late payments and charge-offs that never occurred, damaging my credit score and credibility. These actions violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to ensure maximum possible accuracy of information they report.

RELIEF REQUESTED : 1. Conduct a full investigation into these violations and require the furnishers and credit bureaus to provide proof of each accounts legitimacy, signed contracts, and complete payment histories.

2. Delete all unverifiable, false, or fraudulent accounts from my credit reports.

3. Issue a written confirmation of the deletion or correction of these items.

4. Impose penalties on the entities responsible for willfully and negligently reporting false data.

ENCLOSURES : Copy of ID and proof of address Copy of prior dispute letters sent to the credit bureaus Current copies of my credit reports showing the disputed items

Company response to consumer: Closed with non-monetary relief