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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccurate, unverifiable, and misleading accounts being reported on my credit file. These items are negatively impacting my creditworthiness, and I am requesting a thorough investigation and immediate corrective action under applicable federal laws. 

Account CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX  This account is reported as a charge-off with a {$0.00} balance, which is inconsistent with prior statements and my payment history. I request that you provide original signed contracts, complete account statements, and all correspondence verifying the charge-off status. Under FCRA 611 ( a ), unverifiable information must be deleted within 30 days. The date of first delinquency and charge-off status must be verified per FCRA 623 ( a ) ( 5 ). Any failure to provide documentation requires immediate deletion of this account. Reporting inaccurate information misrepresents my creditworthiness. I did not receive proper notification of any balance adjustment. Previous dispute rounds failed to produce verification. I dispute the legitimacy of the charge-off because the reported information is inconsistent. Provide evidence of all communications related to this account. All supporting documentation, including electronic records, must be produced. Failure to validate this account violates FCRA 607 ( b ). Continuing to report unverifiable data is unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff XXXX XXXX This account is reported with a balance of {$580.00} as a charge-off. I dispute this because the reporting is inconsistent with prior statements. Under FCRA 611 ( a ), the credit bureau must conduct a reasonable investigation and provide evidence verifying the account. Provide original signed agreements, statements, and account history confirming the balance and charge-off status. FDCPA 809 ( b ) requires validation of all debts reported by a third-party collector. The failure to provide documentation constitutes a violation of federal law. I request verification including the original contract, detailed payment history, and any notices sent regarding the charge-off. Previous dispute attempts did not yield validation. Continued reporting without verification is unlawful. All communications related to this account must be included. I also dispute any fees or interest applied if unverified. Confirm the correct dates of delinquency. Delete the account if verification can not be provided. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7900.00} Chargeoff XXXX XXXX  This account is reported as a {$7900.00} charge-off. I dispute the accuracy of both the balance and charge-off status. Under FCRA Sections 611 ( a ) and 623 ( a ) ( 5 ), you are required to verify the account, including original signed documentation, statements, and the date of first delinquency. Provide proof that this account is accurately reported. Failure to validate this debt requires immediate deletion. Previous dispute attempts were ignored or inadequately investigated. I did not receive full account documentation or notice of delinquency. Verification must include all transaction history, payments applied, and any adjustments. Reporting unverifiable data misrepresents my creditworthiness. Confirm that this charge-off was reported correctly under federal law. All communications and notices must be provided. Any inconsistent reporting constitutes a violation of the FCRA. Remove the account if documentation can not be produced. I dispute any additional fees, penalties, or interest applied without verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff XXXX XXXX  This account is reported as a charge-off with a balance of {$1900.00}. I dispute the reporting due to unverifiable and inconsistent information. Under FCRA 611 ( a ) and FDCPA 809 ( b ), provide full documentation, including the original contract, payment history, and proof of delinquency. The date of first delinquency must be accurately reported per FCRA 623 ( a ) ( 5 ). Previous disputes were ignored or inadequately investigated. I request verification of all fees, interest, and principal amounts applied. Provide statements, notices, and communications related to this account. Failure to provide documentation requires immediate deletion. Reporting unverifiable information is a violation of federal law. All adjustments or balances must be confirmed by the creditor. Delete the account if original documentation can not be produced. Ensure all reporting aligns with federal regulations. Confirm this account was reported in accordance with FCRA Sections 607 ( b ) and 611 ( a ). Misrepresentation of this account harms my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Chargeoff XXXX XXXX  This account is reported as a {$280.00} charge-off. I dispute the reporting because it is inaccurate and unverifiable. Under FCRA Sections 611 ( a ) and 623 ( a ) ( 5 ), provide original signed contracts, complete payment history, and proof of the charge-off. FDCPA 809 ( b ) mandates that unverifiable debts can not be reported. Previous disputes did not produce proper verification. Provide all transaction history, communications, and statements related to this account. The date of first delinquency must be verified. Reporting unverified or inconsistent information misrepresents my creditworthiness. Delete this account if documentation can not be supplied. Verify all balances, fees, and interest reported. Provide electronic and paper records. Continued reporting without verification violates federal law. Confirm that all account information is accurate. This dispute is a formal request for deletion unless verification is provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$660.00} Chargeoff XXXX XXXX  This account is reported as a {$660.00} charge-off. I dispute it due to unverifiable and inconsistent reporting. Provide original signed contracts, account statements, and full transaction history under FCRA 611 ( a ) and 623 ( a ) ( 5 ). FDCPA 809 ( b ) requires verification of debts reported by a collector. Previous disputes did not yield verification. Any reporting without validation violates federal law. Include all communications, notices, and supporting documentation. Verify the date of first delinquency. Remove any fees or interest not validated. Misrepresentation of this account harms my creditworthiness. Delete the account if original documentation can not be provided. Confirm all reporting aligns with federal regulations. Provide a complete audit trail of this account. VerificatXXXX must be thorough and complete. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX This account is reported as a {$0.00} charge-off. I dispute the accuracy and completeness of the reporting. Under FCRA Sections 611 ( a ) and 623 ( a ) ( 5 ), provide original signed contracts, payment history, and verification of the charge-off. FDCPA 809 ( b ) requires validation from collectors. Previous disputes were ignored or inadequately investigated. Provide statements, communications, and all notices. Verify the date of first delinquency. Reporting unverified information misrepresents my credit history. Remove this account if verification can not be supplied. Confirm all balances and fees. Misreporting violates federal law. Provide all supporting documentation, including electronic records. Delete the account if verification fails. Confirm compliance with FCRA Sections 607 ( b ) and 611 ( a ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX This account is reported as a {$0.00} charge-off. I dispute the reporting because it is inconsistent and unverifiable. Under FCRA 611 ( a ) and FDCPA 809 ( b ), provide signed contracts, full payment history, and charge-off documentation. Previous disputes did not yield verification. Include statements, transaction history, and notices. Verify the date of first delinquency. Reporting unverified information is unlawful. Delete the account if documentation can not be provided. Confirm all balances and fees applied. Misrepresentation of this account harms my creditworthiness. Provide all electronic and paper records. Ensure full compliance with federal law. Any unverifiable account must be removed immediately. Verification must be complete and thorough. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX This account is reported as a {$0.00} charge-off. I dispute the reporting because it is inaccurate, inconsistent, and unverifiable. Under FCRA Sections 611 ( a ) and 623 ( a ) ( 5 ), the credit bureau must provide original signed contracts, complete payment history, and verification of the charge-off. FDCPA 809 ( b ) requires that debts reported by a collector must be validated upon dispute. Previous dispute rounds for this account did not yield proper verification. I request all statements, notices, and communications related to this account. Verify the date of first delinquency, charge-off status, and any balances or fees applied. Reporting unverified information misrepresents my creditworthiness. Delete this account if documentation can not be provided. Include all supporting electronic and paper records. Confirm all fees, adjustments, and interest applied are accurate. Previous reporting contains inconsistencies and does not reflect my actual payment history. Misrepresentation of this account negatively affects my credit profile. Provide full verification to comply with federal law. Remove unverifiable information immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$340.00} Chargeoff XXXX XXXX This account is reported as a {$340.00} charge-off. I dispute this reporting due to unverifiable and inconsistent information. Provide original signed contracts, statements, and transaction history under FCRA Sections 611 ( a ) and 623 ( a ) ( 5 ). FDCPA 809 ( b ) requires validation of debts reported by a collector. Previous disputes were inadequately investigated. Include all communications and notices. Verify the date of first delinquency and all fees applied. Reporting unverified information misrepresents my creditworthiness. Delete this account if verification can not be produced. Confirm accuracy of all reporting. Provide electronic and paper records. Misrepresentation violates federal law. Ensure compliance with FCRA Sections 607 ( b ), 611 ( a ), and 623 ( a ) ( 5 ). Delete unverifiable accounts immediately.

I am requesting full reinvestigation and immediate correction of all the above accounts. These accounts are inaccurately reported, unverifiable, and damaging to my credit standing. Each account listed above must either be fully verified with original documentation or permanently removed from my credit file. My rights under FCRA 609, 611, 623 ( a ), and FDCPA 809 ( b ) have been violated. I expect the CFPB to take action and ensure compliance.

Company response to consumer: Closed with non-monetary relief