Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable accounts being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and related provisions, I request that these accounts be investigated and deleted or corrected. These accounts are either inaccurate, fraudulent, or contain errors regarding balances, payment history, or ownership. I have no knowledge of many of these accounts, and reporting them violates my rights under FCRA Sections 602, 607, and 623, and also Section 809 of the Fair Debt Collection Practices Act ( FDCPA ). I request that CFPB ensure all listed inaccuracies are corrected immediately and that my credit report accurately reflects my financial history. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Chargeoff * Law/Issue : FCRA 623 ( a ) ( 1 ) ( A ) Account reporting without verification ; Story : I have no knowledge of this account, it was charged off without my authorization or notice. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$730.00} Chargeoff * * Law/Issue : FCRA 609 ( a ) ( 1 ), 623 Unauthorized reporting and failure to verify ; Story : I did not open or authorize this account, reporting it is inaccurate and violates my FCRA rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Chargeoff * * Law/Issue : FCRA 611 Failure to investigate upon dispute ; Story : This account is not mine, reporting it as charged off harms my credit unlawfully. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA 1681i ( a ) Inaccurate late payment history ; Story : I have never made a late payment on this account, and the reporting is false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA 611, 623 False late payment reporting ; Story : My payment history is accurate and this reported late payment is incorrect. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Chargeoff * * Law/Issue : FCRA 609, 623 ( a ) ( 1 ) Account not verified ; Story : I have no knowledge of this account, and it was charged off without proper validation. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chargeoff * * Law/Issue : FCRA 611 ( a ) ( 1 ) ( A ) Failure to verify ; Story : Account is not mine and reporting this balance is inaccurate. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00} Late Payment * * Law/Issue : FCRA 1681i Incorrect late payment ; Story : I did not make a late payment, reporting it is a violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Chargeoff * * Law/Issue : FCRA 623 Unauthorized and unverifiable account ; Story : I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Chargeoff * * Law/Issue : FCRA 611 Failure to verify before reporting ; Story : This account is not mine, charge-off is unverified. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Collection * Law/Issue : FCRA 623, FDCPA 809 Collection reporting without validation ; Story : I never authorized this account, it should not be on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8000.00} Collection * * Law/Issue : FCRA 611 ( a ) ( 1 ) Inaccurate collection reporting ; Story : This account is falsely reported and I request deletion. 

I request that the CFPB investigate all above-listed accounts, ensure verification with original creditors, and remove any accounts that can not be verified. Continued reporting of these inaccuracies violates my consumer rights and harms my creditworthiness.

Company response to consumer: Closed with non-monetary relief