Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$1500.00} Chargeoff * * Law : FCRA 611 ( a ), 623 ( a ) ( 1 ) Issue : Unverified and inaccurately charged-off Story : I was never given proper notice or validation of this debt Instruction : Investigate and remove or provide complete verification from original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Chargeoff * * Law : FCRA 611, FDCPA 809 Issue : Reporting negative without proper validation Story : This account never received validation or balance breakdown Instruction : Reinvestigate and delete if supporting documents are not available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 607 ( b ), 623 ( a ) ( 2 ) Issue : {$0.00} balance yet charged-off Story : This is misleading and inconsistent with status Instruction : Correct or delete inaccurate charge-off status XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Chargeoff * * Law : FCRA 605 ( b ), 623 ( b ) Issue : Duplicate tradeline Story : This is the same account reported more than once under XXXX XXXX Instruction : Remove the duplicate immediately XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Chargeoff * * Law : FCRA 611 ( a ), FDCPA 809 Issue : Account reported as charge-off with no proof Story : I was not notified or given a chance to dispute the debt Instruction : Provide validation or delete this item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff * * Law : FCRA 611, 623 ( a ) Issue : Reported without validation Story : I dispute this account and never received any notice of default Instruction : Validate the debt or remove it entirely XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7900.00} Chargeoff * * Law : FCRA 623 ( a ) ( 1 ), FDCPA 809 ( b ) Issue : Misleading charge-off status Story : I was making payment arrangements and was not in default Instruction : Reinvestigate and correct or delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff * * Law : FCRA 611, 607 ( b ) Issue : Charge-off listed with no payment detail or notices Story : This debt is unverifiable and has never been proven Instruction : Provide full validation or remove from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Chargeoff * * Law : FCRA 609 ( a ), FDCPA 809 Issue : I do not recognize this account Story : This may be identity theft or inaccurate data reporting Instruction : Immediately delete this unverifiable account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$660.00} Chargeoff * * Law : FCRA 623 ( b ), 611 Issue : Duplicate and suspicious entry Story : Reported twice with different amounts and dates Instruction : Delete both entries unless properly verified XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Chargeoff * * Law : FCRA 607 ( b ) Issue : Status conflict {$0.00} balance yet marked as charged off Story : This is misleading and unjustly lowers my credit score Instruction : Correct status or remove completely XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 623 ( a ) ( 2 ) Issue : Inaccurate status for a paid or {$0.00} account Story : This item should no longer be marked charged off Instruction : Update the status or delete if unresolved XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 607 ( b ), 611 Issue : Multiple listings of same account Story : This is confusing and manipulates the appearance of more negative activity Instruction : Remove duplicates and ensure single accurate listing I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

Company response to consumer: Closed with explanation