Consumer complaint received 2025-08-19 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 formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 
ACCOUNT XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$3900.00} Reported as Late Payment Law/Issue : FCRA Section 602A, 604, 609, 611 requires accuracy and verification of all accounts, late payments must be proven with proper documentation otherwise they are inaccurate Story : I dispute this late payment because I was never provided with proper notice, and no proof has been given to support the reporting of this delinquency. I request a full reinvestigation and removal if validation can not be provided ACCOUNT XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$7100.00} Reported as Chargeoff Law/Issue : FCRA Section 607 ( b ) and 611 require furnishers and the bureau to maintain maximum possible accuracy and verify chargeoffs, FDCPA Section 807 prohibits misrepresentation Story : I dispute this chargeoff as I was never provided validation of the debt, the reporting is damaging and inaccurate, and no original contract or itemized statement has been shown. I demand immediate deletion if the account can not be fully verified with legal documentation ACCOUNT XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Reported as Collection Law/Issue : FDCPA Section 809 ( b ) and FCRA Section 611 require debt collectors to validate debts before reporting them, inaccurate collections violate both federal laws Story : I dispute this collection because I have not received any proper validation notice from XXXX XXXX XXXX XXXX this is an unverified and inaccurate entry on my credit file, and without proof it must be deleted immediately INQUIRY XXXX XXXX XXXX Date : XX/XX/XXXX Law/Issue : FCRA Section 604 states that hard inquiries require consumer authorization and permissible purpose Story : I did not authorize this inquiry, I never gave XXXX XXXX XXXX permission to pull my credit on this date, therefore this is an unauthorized inquiry that must be removed INQUIRY XXXX XXXX Date : XX/XX/XXXX Law/Issue : FCRA Section 604 requires permissible purpose for inquiries, unauthorized inquiries are violations Story : I did not apply for any credit with XXXX XXXX on this date, this inquiry is inaccurate, unauthorized, and harmful to my credit score, therefore it must be deleted immediately XXXX XXXX XXXX  Date : XX/XX/XXXX Law/Issue : FCRA Section 604 requires permissible purpose, unauthorized inquiries must be removed Story : I never authorized XXXX XXXX  to access my credit file, I have no relationship with this company, and this inquiry is fraudulent and damaging, therefore it must be removed I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief