Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against several credit furnishers and credit reporting agencies for serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Multiple inaccurate, unverifiable, and fraudulent accounts have been reported under my credit profile, along with a wrong address and unauthorized inquiries. These errors are severely damaging my credit reputation and have caused emotional and financial distress. 
XXXX XXXX XXXX XXXX  Account XXXX. XXXX Opened XX/XX/XXXX High Balance {$930.00} CHARGE OFF I have no recollection or record of ever opening or authorizing this account. This tradeline is inaccurate and unverifiable. I am requesting deletion under FCRA Section 611 ( a ) ( 1 ) ( A ) since this information can not be substantiated by original documentation directly from the creditor. Please provide complete validation including original signed contracts, application details, and payment history. If such proof can not be produced, this item must be removed immediately. 
XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX High Balance {$760.00} CHARGE OFF This account is being reported incorrectly. I have no knowledge of any default, delinquency, or charge-off with XXXX XXXX. This is an unverified and misleading entry on my report. I am demanding a full investigation, documentation, and written verification from the original creditor to confirm any such account exists. In absence of proper documentation, delete this item as required under the FCRA Section 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX High Balance {$760.00} CHARGE OFF I have never had an account or any form of business relationship with XXXX XXXX XXXX This appears to be identity theft or a reporting error. I am demanding complete deletion under FCRA XXXX XXXX, as this information is damaging and unverifiable. Please provide supporting documentation, otherwise this account must be removed immediately. 
XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX High Balance {$760.00} CHARGE OFF This entry is completely inaccurate and not recognized by me. I have not authorized or maintained any account with XXXX XXXX XXXX As per the FCRA Section 611, I am requesting your bureau to contact the furnisher for proof. If the furnisher can not verify with original signatures or contractual proof, this tradeline must be deleted promptly. 
XXXX Account XXXX. XXXX Opened XX/XX/XXXX High Balance {$360.00} CHARGE OFF I do not recognize this account and never applied for any credit with XXXX XXXX XXXX XXXX. Reporting this account is inaccurate, misleading, and violates FCRA Section 602A regarding consumer privacy and accuracy. Please investigate and remove this unverifiable account from my credit report. 
XXXX XXXX XXXX Account No. XXXX Opened XX/XX/XXXX High Balance {$720.00} LATE PAYMENT This account has been reported as having late payments, which is completely false. I have never missed or made a delayed payment on this account. The reporting is misleading and damaging to my credit reputation. I request correction of all payment history and proper verification from the original creditor. If you can not confirm with full records, please update this account as Pays as Agreed or remove the negative marks. 
XXXX XXXX XXXX Account No. XXXX Opened XX/XX/XXXX High Balance {$760.00} COLLECTION I have no knowledge of this debt or any account that was placed with XXXX XXXX. I have not been notified by any original creditor regarding such balance. Under FDCPA Section 809 ( b ), I request validation of this debt. Without full validation ( original creditor name, amount owed, signed agreement ), this collection must be deleted from my credit file. 
XXXX XXXX XXXX Account No. XXXX Opened XX/XX/XXXX High Balance {$760.00} COLLECTION This entry duplicates a previously listed XXXX XXXX account, which is both inaccurate and misleading. Duplicate collections violate FCRA Section 607 ( b ). Please delete this item immediately and ensure no duplicate or unverifiable entries are reported in the future. 
XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX High Balance {$330.00} COLLECTION I have no knowledge of this account and have never received any notice or validation of this debt. XXXXXXXX XXXX  is known for purchasing unverifiable debts, and unless original proof is provided, this account must be removed under FDCPA Section 809 ( b ) and FCRA Section 611 ( a ) ( 5 ). 
HARD INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize these inquiries. Under FCRA Section 604 ( a ) ( 3 ), any inquiry without my express consent is unlawful. These unauthorized inquiries must be removed immediately from my report.

These repeated inaccuracies and violations show negligence and noncompliance by both the furnishers and credit bureaus. The continuous reporting of false and unverifiable data constitutes defamation of character, invasion of privacy, and negligence under FCRA Sections 616 and 617.

I am requesting the CFPB to launch an immediate investigation into these violations and hold the reporting agencies and furnishers accountable. I am seeking : Deletion of all unverified accounts, addresses, and inquiries Correction of payment history errors Written confirmation from the bureaus and furnishers Assurance that these inaccurate entries will not reappear on my report

Company response to consumer: Closed with non-monetary relief