Consumer complaint received 2025-10-31 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: IN

Complaint narrative:
I am submitting this complaint because several credit bureaus and furnishers are reporting false and unverifiable information on my credit report. This includes wrong addresses, false late payment reports, inaccurate charge-off and collection accounts, and multiple unauthorized credit inquiries. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), including sections 602A, 604, 607 ( b ), 609, and 611. 
Despite my repeated disputes, the information remains unverified and continues to cause significant harm to my credit reputation and financial opportunities. 
Inaccurate Account Information ( FCRA 611 Reinvestigation Required ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Issue : Charge Off I have no knowledge of this charge-off. I never authorized or maintained such an account. Please delete this unverifiable and inaccurate entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Reported Issue : Charge Off I dispute this account entirely as I do not recognize or acknowledge any relationship with this creditor. Please provide full documentation proving its legitimacy or remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Reported Issue : Late Payment I have never made a late payment on this account. This error is damaging and must be corrected to reflect accurate, on-time payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Reported Issue : Late Payment This account has been wrongly marked as late. I request a reinvestigation and correction to show accurate payment status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Reported Issue : Charge Off I do not recognize or authorize this account. Please provide complete verification documents or remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Issue : Charge Off I have no record or knowledge of this account. I dispute it in its entirety and request deletion. 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Reported Issue : Collection I have no knowledge of any debt owed to this company. This collection account is inaccurate and must be deleted unless verifiable documentation is provided. 
Unverified Hard Inquiries ( FCRA 604 Permissible Purpose Required ) I am disputing the following inquiries that were made without my authorization or any legitimate credit application. Please remove these immediately as they violate the permissible purpose clause of the FCRA. 
XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and must be deleted from my credit file. 
Harm Suffered Because of these false and inaccurate items, I have experienced : Denial of credit applications Lowered credit score Emotional distress and reputational harm Difficulty obtaining fair loan and housing terms These ongoing reporting errors are a direct violation of my rights under the FCRA, and the responsible furnishers and credit bureaus must be held accountable. 
Requested Action I am requesting the CFPB to : XXXX. Conduct a formal investigation into XXXX EquifaxXXXX XXXX and all listed furnishers for failure to verify disputed information. 
XXXX. Require immediate deletion or correction of all inaccurate, unverifiable, and unauthorized items listed above. 
XXXX. Ensure that credit bureaus provide me with updated and corrected credit reports reflecting these changes. 
XXXX. Impose penalties or compliance actions against furnishers that fail to maintain accurate reporting standards as required by FCRA 623. 
Declaration I declare under penalty of perjury that all the information provided in this complaint is true and accurate to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief