Consumer complaint received 2025-09-17 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 CFPB, I am submitting this complaint regarding multiple accounts that are being reported inaccurately and unlawfully on my credit report. These items contain charge offs, collections, and late payments that are unverifiable, misleading, and harmful to my creditworthiness. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ), I have the right to accurate reporting and protection from unfair practices. The accounts below are in violation of these laws and require immediate investigation and removal. 
XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off This account has been marked as a charge off without providing me any lawful validation of debt. Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request verification, yet the furnisher has failed to comply. The reporting is inconsistent and fails to show accurate payment history or proof of balance calculation. This inaccurate reporting has directly damaged my ability to secure auto financing and housing opportunities, which violates FCRA 602 ( a ) requiring fair and accurate credit reporting. 
XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX Charge Off This account shows a very large balance and is being reported as a charge off, but no original contract, itemized accounting, or chain of assignment has ever been provided to me. By law, under FCRA 609 ( a ) ( 1 ), I am entitled to see the sources of all reported information. The failure to provide this while continuing to damage my file shows reckless disregard under FCRA 623 ( a ) ( 1 ) ( A ). Because of this account, I was denied a home loan and forced into higher interest credit products, which is direct financial harm. 
XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This account is unlawfully reported as charged off. No creditor statements, billing history, or evidence of default has been shown to me. Under FCRA 611 ( a ) ( 1 ), a consumer reporting agency must reinvestigate disputed information within 30 days, but my repeated disputes have been ignored or verified without proof. The continued furnishing of unverifiable information constitutes willful noncompliance under FCRA 616. The existence of this false charge off has caused me rejection from credit card applications, increasing my financial stress. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$4600.00} Date Opened : XX/XX/XXXX Late Payment The reporting of late payments under this account is unlawful and misleading. I have never received notices of delinquency or validation of this alleged late payment status. Under the Privacy Act ( 5 U.S.C. 552a ) and FCRA 609 ( a ) ( 3 ), I am entitled to review any such data collected or reported. This reporting has caused extreme damage by lowering my score and unfairly portraying me as a delinquent debtor when no lawful basis exists. 
XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Charge Off This small balance account is listed as charged off without any proof. Under FCRA 623 ( b ) ( 1 ), furnishers must conduct a full investigation after receiving notice of dispute. Instead, they simply verified the account with no evidence. This is a reckless violation and it creates a false history of nonpayment, causing me reputational harm. 
XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Charge Off This account continues to be reported inaccurately as a charge off. No account statements, no proof of charge-off designation, and no lawful validation has been provided. Under FCRA 623 ( a ) ( 1 ) ( B ), a furnisher can not continue reporting information if it knows the information is inaccurate. Yet this is happening here. This account is misleading lenders into believing I have multiple serious delinquencies, which has blocked me from obtaining fair credit and caused emotional distress. 
Conclusion The above accounts are inaccurate, unverifiable, and reported in violation of multiple federal laws including FCRA 611, 623, 607 ( b ), FDCPA 807 & 809, and CFPA 1031. These false reports have caused me financial harm, denials, higher costs of credit, and emotional distress. I respectfully request that the CFPB immediately investigate these matters, hold the furnishers accountable, and require deletion of these accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief