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 is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint because multiple creditors and credit reporting agencies are reporting inaccurate, unverified, and harmful information on my consumer credit files. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), Sections 602A, 604A ( 2 ), 609, 611, and 623, as well as the Fair Debt Collection Practices Act ( FDCPA ) where applicable.

I have already attempted to resolve these issues directly with the credit bureaus and furnishers, but the accounts remain inaccurately reported and unverified.

Accounts in Dispute 1. XXXX Account Ending XXXXXXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment This account is reported with late payments, which is inaccurate. I have never made a late payment on this account. I am requesting a full investigation and correction of my payment history. 

2. XXXX XXXX Account Ending XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Reported Status : Charge Off I do not have any knowledge of this account, and no creditor has provided original signed documentation proving ownership or liability. I am requesting deletion of this entry. 

3. XXXX XXXX Account Ending XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Reported Status : Charge Off This appears to be a duplicate and unverified account, and I do not recognize or acknowledge this debt. I am requesting removal due to failure to verify and duplicate reporting.

4. XXXX XXXX XXXX Account Ending XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$780.00} Date Opened : XX/XX/XXXX Reported Status : Charge Off I do not recognize this account, and no proof of debt or contract has been provided. Under FCRA 609 and 611, unverified information must be removed.

5. XXXX XXXX Account Ending XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$56000.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment The late payment reporting is incorrect, and I dispute these entries. I have never missed or failed to pay on time. I am requesting immediate investigation and update to reflect accurate on-time payment history.

Requested Action I am formally requesting : Deletion of unverified/unknown charge-off accounts Immediate correction of falsely reported late payments Removal of duplicate reporting Proof of investigations performed as required by law If these furnishers can not provide legally required documentation proving accuracy and ownership, they must remove the accounts pursuant to FCRA 611, 609 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( D ).

Conclusion These inaccurate entries have caused financial harm, including denial of credit and unfavorable lending terms. I am requesting CFPB oversight to ensure compliance and correction.

Thank you for your attention to this matter. I expect a written response and resolution.

Company response to consumer: Closed with non-monetary relief