Consumer complaint received 2025-12-08 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:
I am filing this complaint because multiple accounts and inquiries are being falsely reported on my credit reports by the credit bureaus and several furnishers. These accounts do not belong to me, were never authorized, and no creditor has provided any documentation or validation. I have suffered serious harm including credit denials, financial loss, and emotional distress. I requested verification under the FCRA, but none of the furnishers or bureaus have provided proof. The following accounts are inaccurate, unverified, and must be investigated : XXXX XXXX XXXX Charge Off ISSUE : I did not open this account, nor have I ever been notified by XXXX XXXX of any unpaid balance or adverse status. No billing cycle statements, no emails, no phone calls, and absolutely no documentation has ever been provided. This account appears fraudulent and must be removed unless legally validated. This false reporting is causing major credit damage. 
XXXX XXXX XXXXXXXX Charge Off ISSUE : This reporting is completely false. I do not owe any child support arrears. This is an extremely serious misinformation issue that affects my legal standing and reputation. I never received any notice of delinquency, hearing, judgment, or administrative order. This item is inaccurate, unverified, and defamatory. Remove this item immediately unless verified by state-issued legal records. 
XXXX XXXX XXXX Charge Off ISSUE : I have never been a XXXX XXXX XXXX XXXX member, never applied for credit with them, and never authorized any account. This reporting is clearly a mixed-file or identity misuse situation. I have no contract, account history, or communication with this lender. Without full verification documents, including the membership application, this must be deleted. 
XXXX XXXX XXXX XXXX Charge Off ISSUE : This appears to be a duplicate fraudulent listing. I have no prior relationship with XXXX XXXX and never received any type of account documentation. The presence of multiple incorrect listings strongly indicates inaccurate reporting. Delete immediately unless you provide proof of ownership. 
XXXXXXXX XXXX XXXX XXXX XXXX Charge Off ISSUE : I do not owe this debt and never received any validation letter, which is required by law before reporting. This is an unverified and inaccurate account. No creditor or collector has ever shown proof that I am legally responsible for this debt. Remove this account entirely. 
XXXX XXXX Charge Off ISSUE : This account is not mine. I never received any documentation, statements, collection letters, or proof of debt. This is unverified reporting that is damaging my creditworthiness. I demand full investigation and deletion unless validated with proper documents. 
Unauthorized Hard Inquiries ( All Violations of FCRA 604 ) I never applied for, authorized, or approved any of the following inquiries. They are fraudulent or mistakenly placed, and they are damaging my credit score and lending eligibility. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> ISSUE : I never granted permission for this dealer to access my credit profile. Unauthorized inquiry. 
XXXX XXXX XXXX XX/XX/year> ISSUE : Duplicate unauthorized inquiry by the same dealershipno application on my behalf. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> ISSUE : I did not give consent, did not apply for any credit, and have no relationship with this entity.

I am requesting the CFPB to investigate all the above furnishers and credit bureaus for violating FCRA 602, 607 ( b ), 609 ( a ), and 611 by reporting accounts without verification and failing to provide proof when disputed. I want all unverified, inaccurate, and fraudulent items deleted immediately from my credit report. 
Requested Resolution : Full investigation, removal of all fraudulent/unverified accounts and inquiries, and enforcement action against companies failing to comply with the FCRA.

Company response to consumer: Closed with explanation