Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding the repeated reporting of inaccurate, outdated, unverifiable, and unauthorized information on my credit reports. This harmful data is causing irreparable damage to my financial and personal life, and despite previous disputes and communications, the information remains uncorrected. Below is a breakdown of the specific issues I am facing with addresses, accounts, collections, and hard inquiriesall of which violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 
XXXX XXXX XXXX * Issue : Reported as Charge-Off with High Balance {$330.00}, Opened XX/XX/XXXX Law : Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers must report accurate data, and under FDCPA 809 ( b ), they must validate the debt upon dispute. 
Story : During the pandemic, I experienced serious financial hardship due to job loss and illness. I attempted to communicate with XXXX XXXX, but received no hardship relief. This charge-off entry does not reflect the context and fails to represent fair credit reporting. No validation, contract, or accurate itemization has been provided despite previous disputes. I demand deletion for unverified and incomplete reporting. 
XXXX  XXXX XXXX XXXX * Issue : Charge-Off, High Balance {$420.00}, Opened XX/XX/XXXX Law : FCRA 602 ( a ) mandates fairness in reporting. FDCPA 807 prohibits false or misleading representation of debt. 
Story : I never received any legal notification of delinquency or charge-off from this creditor. I was unaware of this entry until it appeared on my credit file. No statements or contract exist in my records, and the company failed to respond to my previous request for validation. This reporting appears to be inaccurate or fraudulent. Please delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : XXXX separate Charge-Offs High Balances {$2700.00} and {$2500.00}, Opened XX/XX/XXXX and XX/XX/XXXX Law : FCRA 607 ( b ) requires maximum accuracy. FCRA 605 ( c ) prohibits duplicate reporting. 
Story : These XXXX entries appear to be from the same original debt but are listed twice with different account numbers, creating double reporting. This inflates my debt and negatively affects my credit score. Furthermore, I contacted XXXX XXXX requesting clarification, but they failed to provide any supporting documentation. I request deletion of all unverifiable, duplicate, or incorrect data. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Issue : Charge-Off, High Balance {$800.00}, Opened XX/XX/XXXX Law : FDCPA 809, FCRA 602 ( a ) Story : I never received a signed contract, payment history, or final notice regarding this debt. No itemization has been provided. This reporting is vague, unverifiable, and damaging. Without any proof of my obligation, this account is unlawful under federal consumer laws and must be removed. 
XXXX XXXX Issue : Charge-Off, High Balance {$110.00}, Opened XX/XX/XXXX Law : FDCPA 809, FCRA 623 ( b ) Story : Another charge-off from Possible Finance for a small balance which was never validated. Reporting this tiny debt as a charge-off without proper documentation is excessive and damaging. I never received written validation. I dispute this entire entry and demand deletion. 
XXXX XXXX  XXXX XXXX Issue : Charge-Off, High Balance {$7400.00}, Opened XX/XX/XXXX Law : FCRA 623 ( a ) ( 1 ), UCC Article 9 ( Repossession Law ) Story : My vehicle was repossessed, but XXXX never sent auction details, deficiency notices, or accounting statements. They failed to comply with notice requirements under both federal and state law. The amount reported is inflated and unverifiable. This charge-off must be removed for violating disclosure standards. 
XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payment, High Balance {$1000.00}, Opened XX/XX/XXXX Law : FCRA 611, FCRA 623 ( a ) Story : A late payment was incorrectly marked due to a delay in automated ACH processing, which I immediately addressed. I submitted a letter explaining the situation, but the creditor never corrected it. This reporting is unjust and unfairly penalizes me for a technical issue out of my control. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : All listed as collection accounts with various balances and dates Law : FDCPA 809 ( b ) ( Debt validation ), FCRA 607 ( b ) Story : None of these agencies has sent proper debt validation. There are multiple duplicate entries under XXXX XXXX for the same balances and same open dates, which is a violation of federal law. I believe many of these collections are unverified, inflated, or completely fraudulent. These companies failed to show ownership, chain of title, or original contract. I dispute every XXXX of these tradelines and demand full deletion if not XXXX XXXX verified within XXXX  days. 
INQUIRIES GLOBALLEND XX/XX/XXXX XXXX XX/XX/XXXX Issue : Unauthorized Hard Inquiries Law : FCRA 604 ( a ) ( XXXX ) Permissible Purpose Story : I did not authorize any of these companies to pull my credit. These inquiries were done without my knowledge or consent. Hard inquiries damage my credit score and are only allowed with permissible purpose, such as a signed credit application. I demand immediate removal of all unauthorized inquiries. 
Summary of Requested Action XXXX. Investigate all listed tradelines and hard inquiries for violations under FCRA and FDCPA XXXX. Delete or correct any unverifiable, inaccurate, or unauthorized entries within XXXX  days XXXX. Enforce penalties for data furnishers violating consumer protection laws XXXX. Prevent further harm to my credit report through proper oversight and enforcement Thank you for your time and attention to this matter. I am prepared to provide any documentation or sworn statements needed to assist your investigation. Please contact me with any updates or findings.

Company response to consumer: Closed with non-monetary relief