Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to report multiple serious inaccuracies and violations on my credit report that are currently harming my creditworthiness and financial opportunities. Despite previous disputes with the credit bureaus and XXXX XXXX, the following items remain unresolved and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure these items are properly investigated and deleted. 
Account : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$9500.00} | Charge Off * * Issue : This account is reported as a charge-off with multiple inaccuracies in balance, history, and reporting. I was never properly notified before charge-off, and no verification has been provided.

Law : Violates FCRA Section 623 ( a ) ( 5 ) requiring accurate charge-off reporting ; FDCPA Section 809 requiring debt validation upon request ; FCRA Section 611 my right to dispute and have errors corrected.

Story : I did not receive any notice that this account was being charged off nor a final accounting of payments or past due amounts. I requested documentation, yet none has been furnished. Additionally, XXXX never provided a right-to-cure or opportunity to dispute the balance prior to negative reporting. This is a major account with a high balance, and the charge-off status is drastically reducing my creditworthiness. Due to this reporting, Ive been denied auto loans, home rentals, and even insurance offers. The emotional distress and financial exclusion are ongoing. If verification can not be completed with full documentation, this account must be permanently deleted. 
Account : XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$4300.00} | Collection Issue : This collection account is unauthorized, unverifiable, and possibly fraudulent. No debt validation letter was sent. 
Law : Violates FDCPA Section 809 ( 15 USC 1692g ) failure to validate debt ; FCRA Section 611 failure to correct or delete inaccurate data ; FCRA Section 607 ( b ) requirement to maintain accuracy. 
Story : I never applied for or opened a credit account with XXXX XXXX. I never received any written notice or validation within 5 days of this account being placed in collections, which is a serious legal violation. This debt may have been created without my consent or knowledge, indicating possible identity theft or creditor error. Despite my previous disputes, the credit bureaus and data furnishers have continued to report this without providing any validation, original contract, or documentation. This is not only illegal but has cost me numerous opportunities and created significant mental and financial XXXX. 
Account : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$360.00} | Charge Off * * Issue : This account is reported as charged off with no knowledge, notification, or validation. I dispute ownership and accuracy. 
Law : Violates FCRA Section 609 ( a ) right to documentation ; FCRA Section 623 ( a ) ( 1 ) duty to report accurate info; FDCPA Section 807 ( 8 ) false credit reporting.

Story : I do not recognize this account, and I was never informed of any debt owed to XXXX XXXX. They are notorious for purchasing outdated or unverifiable debts and reporting them without full documentation. I have requested validation multiple times and received no response. The reported balance appears arbitrary, and I have not received any breakdown, contract, or terms of agreement. This entry appears to be based on weak or incorrect data, possibly even related to another consumer. The emotional toll, denial of credit lines, and general financial hardship this charge-off has caused me are significant. Unless they can prove this debt is legitimately mine, it must be removed entirely.

Conclusion and Relief Sought : I am requesting that the CFPB initiate a full investigation into each of the items listed above. These items are either unverifiable, inaccurate, unauthorized, or unlawfully reported. They are causing significant emotional, financial, and reputational harm to me. If the data furnishers and credit reporting agencies can not provide full, accurate, and lawful documentation within the legal timeframe, I request all the disputed items be immediately deleted from my credit reports.

I also request that any creditor or furnisher found to be in violation of the FCRA or FDCPA be held accountable as per applicable federal enforcement guidelines.

Company response to consumer: Closed with non-monetary relief