Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and the credit reporting agencies for reporting false, unverified, and damaging information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( A ), 607 ( B ), 609, and 611.

These accounts are currently harming my credit profile, yet the furnishers have failed to provide ANY proof of accuracy or verification. I am demanding immediate investigation and enforcement action. 

XXXX. XXXX XXXX  Late Payment Reporting ( Account : XXXXXXXX XXXX ) High Balance : {$470000.00} Date Opened : XX/XX/XXXX Status Reported : Late Payment This reporting is 100 % inaccurate. 
I have never made a late payment on this account. Under FCRA 607 ( B ), furnishers must ensure maximum possible accuracy, which they failed to do. 

I demand : Immediate correction of the account history Removal of any late payment notations Written confirmation of compliance XXXX. XXXX XXXX  Charge-Off ( Account : XXXXXXXX XXXX ) High Balance : {$20000.00} Date Opened : XX/XX/XXXX Status Reported : Charge-off I have NO knowledge of this account. 
This appears fraudulent and has not been verified. Under FCRA 609 ( a ), I am entitled to full documentation, including : Signed application Original creditor contract Complete payment history Proof I ever authorized or opened this account No such documentation was provided. 

I demand : Immediate deletion for failure to verify Written notice of deletion under FCRA 611 XXXX. XXXX XXXX Charge-Off ( Account : XXXXXXXX XXXX  ) High Balance : {$3000.00} Date Opened : XX/XX/XXXX Status Reported : Charge-off I have no knowledge of this account whatsoever. 
The furnisher has failed to provide competent evidence proving this account belongs to me. 

Under FCRA 602 ( A ), inaccurate data is unlawful.

Under 611 ( a ), unverifiable data must be removed. 

I demand immediate deletion. 

XXXX. XXXX XXXX  Charge-Off ( Account : XXXXXXXX XXXX  ) High Balance : {$5000.00} Date Opened : XX/XX/XXXX Status Reported : Charge-off Again, I have no knowledge of this account, and no verification has been provided to support reporting such a serious derogatory status. 

Under FCRA 609 & 611, the furnisher must prove ownership and accuracy. They have failed to do so. 

I demand immediate deletion. 

XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX Status : Unauthorized Inquiry This inquiry was made without my authorization. 
I never applied for credit with XXXX on this date. Per FCRA, unauthorized inquiries are illegal and considered a violation of permissible purpose. 

I demand immediate removal of this inquiry. 

FCRA Violations Involved The furnishers and XXXX  are in violation of : FCRA 602 ( A ) failure to ensure fair and accurate reporting FCRA 607 ( B ) failure to ensure maximum possible accuracy FCRA 609 ( a ) failure to provide verification documentation FCRA 611 ( a ) failure to delete unverifiable information FCRA 604 ( a ) unauthorized inquiry without permissible purpose Requested CFPB Actions I request that the CFPB : Force the furnishers and XXXX  to provide full verification of each item. 

Order deletion of any account they can not legally verify. 

Require correction of the false late payment. 

Remove the unauthorized inquiry. 

Hold the furnishers accountable for repeated FCRA violations. 

Thank you for your attention. I request a formal investigation and written confirmation of all actions taken.

Company response to consumer: Closed with non-monetary relief