Consumer complaint received 2025-09-24 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 my credit reports are reflecting multiple inaccurate and unverifiable accounts that have caused serious harm to my creditworthiness and are in violation of my rights under the Fair Credit Reporting Act. Despite my efforts to address these issues, the information remains, which means the credit reporting agencies and furnishers have failed to comply with their obligations under federal law. 

XXXX of the accounts reported is XXXX CARD # XXXX XXXX XXXX, Date Opened XX/XX/XXXX, High Credit {$5700.00}, reported as a Charge Off XXXX XXXX This reporting is highly damaging and lacks lawful validation. Under FCRA 609 and 611, I am entitled to receive all relevant documentation to substantiate the accuracy of the balance, payment history, and status of this account. No such verification has been provided, and yet this account continues to remain on my credit file, violating FCRA 607 ( b ), which requires maximum possible accuracy. 

Another account reported on my file is XXXX  # XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$5300.00}, reported as a Charge Off XXXX XXXX. This account, like the others, has been listed without the furnisher producing proper documentation to prove the accuracy of the reporting. Federal law is clear that information which can not be substantiated must be deleted. The continued presence of this account without proper validation demonstrates negligent and possibly willful noncompliance with FCRA 616 and 617. 

In addition, the account XXXX  # XXXXXXXX XXXX XXXX, Date Opened XX/XX/XXXX, High Credit {$5500.00}, reported as a Charge Off * * is also being maintained on my credit file. This account has been reported as a derogatory item without complete proof of its legitimacy. Under FCRA 602 ( a ), the purpose of credit reporting is to ensure fairness, impartiality, and accuracy, yet this account remains without lawful substantiation. Its continued reporting harms me financially and violates my rights under the law. 

The existence of these unverifiable and damaging accounts has caused me concrete harm, including the denial of fair access to credit opportunities, increased costs of borrowing, and damage to my overall financial reputation. These actions are not minor errors but unlawful practices that place me at a disadvantage and subject me to financial injury. Under the Fair Credit Reporting Act, the credit bureaus are obligated to conduct proper reinvestigations, obtain documentation from furnishers, and delete any item that can not be verified with complete accuracy. Their failure to comply with these requirements is the reason I am filing this complaint with the Consumer Financial Protection Bureau. 

I am requesting that the CFPB take immediate action to ensure that the credit reporting agencies and the furnishers involved provide full validation of these accounts or remove them from my file entirely. My rights under federal law entitle me to fair and accurate reporting, and I expect enforcement of these rights so that my credit file reflects only information that is truthful, lawful, and verifiable.

Company response to consumer: Closed with non-monetary relief