Consumer complaint received 2025-09-03 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 filing this complaint because my Equifax credit report contains multiple inaccurate and unverifiable accounts and inquiries that are severely damaging my credit standing and causing me ongoing financial harm. I have tried to resolve these errors by disputing them directly with Equifax, but despite my efforts, the reporting remains unchanged, and no proper documentation has been provided to verify any of these accounts. 

The account XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$16000.00}, is being reported with late payments, yet no verification or proof of this information has been provided. The XXXX XXXX XXXXXXXX account number XXXX, opened on XX/XX/XXXX with a balance of {$6700.00}, is listed as a charge-off even though I have repeatedly requested validation and have never received any original signed agreement or billing records to prove its accuracy. The XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$3500.00}, continues to show late payments without proper investigation or documentation. 

There are also several collection accounts from XXXX XXXX XXXX that I have disputed multiple times with no resolution. These include XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$110.00} ; XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$150.00} ; XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$100.00} ; XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$92.00} ; and XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$150.00}. None of these debts have been validated, and I have not been provided any contracts, statements, or other evidence proving these accounts are mine. 

Additionally, there is a hard inquiry from XXXX on XX/XX/XXXX that I did not authorize. Under the Fair Credit Reporting Act, no company should access or place an inquiry on my report without a permissible purpose, yet this inquiry remains despite my disputes. 

I have sent written disputes to Equifax, requesting verification of every XXXX of these accounts and inquiries, but they have either failed to investigate properly or have ignored my request for original documentation. The Fair Credit Reporting Act requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy and to reinvestigate disputed information. By continuing to report unverified and inaccurate accounts, Equifax and the furnishers involved are violating multiple sections of the FCRA, including 607 ( b ), 611 ( a ), 609 ( a ), and 623 ( a ) ( 1 ) ( A ).

These inaccurate items are causing me serious harm, including damage to my credit score, difficulty obtaining housing and credit, and unnecessary stress. I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly, ensure that Equifax and all furnishers provide proper documentation for every account and inquiry, and remove all unverifiable information from my credit file.

Company response to consumer: Closed with non-monetary relief