Consumer complaint received 2025-10-17 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:
To Whom It May Concern I am submitting this complaint regarding multiple inaccurate, unauthorized, and unverifiable accounts and inquiries reported on my credit file. These inaccuracies are materially affecting my creditworthiness, and they are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. I dispute the validity of these accounts, and some are entirely unknown to me. I demand full investigation, correction, or deletion of inaccurate or unverifiable information. 
ACCOUNT XXXX XXXX XXXX XXXX BANK XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$190000.00} * * Reported as Late Payment. I have never missed any scheduled payments on this account. The status of Late Payment is factually inaccurate and misleading. I request immediate correction of payment history. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  Reported as Late Payment. I never missed a payment, and this designation is false. Under FCRA XXXX, this information must be verified and corrected. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$860.00} XXXX XXXX Reported as Late Payment. I dispute this status ; all payments were made on time. Falsely reporting late payments violates my rights under FCRA 1681s-2 ( a ) ( 1 ). Correction required. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$27000.00} XXXX XXXX Reported as Late Payment. The account was current ; reporting a late payment is deceptive and harms my credit. This must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} XXXX XXXX Reported as Charge Off. I have no knowledge of this account. Under FCRA 1681i ( a ), this account must be investigated and deleted if unverifiable. Reporting unknown debts is unlawful and misleading. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} XXXX XXXX Reported as Charge Off. I dispute this account ; I have no knowledge of the charges. Verification is required, and deletion should occur if unverifiable under FCRA 1681i. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Reported as Late Payment. Payments were made on time. Reporting a late payment falsely is a violation of FCRA 1681s-2 ( a ) ( 1 ). Immediate correction requested. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120.00} XXXX XXXX Reported as Collection. I have no knowledge of this account. Under FCRA XXXX ( a ), unverifiable accounts must be deleted. Reporting unknown debts is unlawful and misleading, causing financial harm. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Reported as Collection. I dispute this debt and request verification. If unverifiable, it must be removed immediately. Reporting unverified collections is a violation of FCRA and FDCPA. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} XXXX XXXX Reported as Collection. I have no knowledge of this account. This reporting is inaccurate and damaging to my credit reputation. Immediate investigation and deletion required. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} XXXX XXXX Reported as Collection. I dispute this account. If verification can not be provided within 30 days, it must be deleted per FCRA XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} XXXX Reported as Collection. I dispute the validity of this debt. Verification is required ; if unverifiable, it must be deleted.

These errors are causing financial harm, creating false impressions of irresponsibility, and impeding my ability to obtain credit. I demand that all accounts and inquiries listed be fully investigated, and any inaccurate, unverifiable, duplicate, or unauthorized entries be deleted immediately pursuant to FCRA 1681i. I request written confirmation of all actions taken and a corrected credit report.

Company response to consumer: Closed with non-monetary relief