Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 609, Section 611 ( a ) Right to verification Issue : Chargeoff reported without verification Story : I have no record of this chargeoff. I never received notices, statements, or validation regarding this alleged debt. Its inclusion is misleading and negatively impacts my creditworthiness. I request complete documentation verifying the original account and all activity. If you can not verify, this entry must be removed immediately. 

ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 611 ( a ) Reinvestigation requirement Issue : Late Payment reported inaccurately Story : I have consistently made payments on time. The reported late payment is incorrect and causes financial harm by lowering my credit score. I request full payment history verification. If the reported late payment can not be validated with clear evidence, it must be deleted from my report. 

ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 609, Section 611 ( a ) Accuracy requirement Issue : Chargeoff reported without proper evidence Story : I dispute this chargeoff. I have never received proper documentation proving this debt. The account is inaccurately reported and negatively affects my credit profile. Please provide validation, or remove it from my credit report. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 611 ( a ) Dispute rights Issue : Chargeoff reported incorrectly Story : I have no knowledge of this chargeoff. It is being reported without verification and is causing harm to my credit. I request the credit bureau to obtain verification from the creditor. Delete if unverified. 

ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law : FCRA Section 611 ( a ) Accuracy and verification Issue : Late Payment reported inaccurately Story : I have never missed payments on this account. The reported late payment is false, misleading, and negatively affects my credit. I request verification with full supporting documentation. If the late payment can not be verified, it must be removed immediately. 

ACCOUNT : QUALITY XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 611 ( a ) Reinvestigation of inaccurate items Issue : Late Payment reported Story : The late payment reported is inaccurate. I have records showing timely payments and request verification. This false information is harming my creditworthiness. Delete if unverified. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 609, Section 611 ( a ) Right to verification Issue : Chargeoff reported without supporting documents Story : I dispute this chargeoff. I request original contract, statements, and evidence of any missed payments. The account can not remain on my credit report without proper verification. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 611 ( a ) Reinvestigation of inaccurate reporting Issue : Late Payment reported inaccurately Story : I have consistently made timely payments. The reported late payment is false and negatively affects my credit profile. Verification is required, and deletion is necessary if unverified. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) * * Law : FCRA Section 611 ( a ) Right to dispute inaccurate information Issue : Chargeoff reported without verification Story : I dispute this chargeoff as I have no knowledge of this debt. I request full documentation proving its validity. Remove immediately if unverified. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX Law : FCRA Section 611 ( a ) Accuracy requirement Issue : XXXX reported incorrectly Story : I have no record of this debt. Verification is required. If the account can not be verified, it must be deleted from my credit report. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX Law : FCRA Section 611 ( a ) Reinvestigation of disputed items Issue : Chargeoff reported inaccurately Story : I do not recognize this chargeoff. I request supporting documentation. Delete if unverified. 

ACCOUNT : XXXX XXXX XXXX Law : FCRA Section 611 ( a ) Collection accuracy Issue : Collection reported inaccurately Story : I dispute this collection. I request full proof of the debt, including billing statements and account history. Its inclusion without verification is damaging my credit. Delete if unverified. 

ACCOUNT : XXXX  XXXX XXXX XXXX Law : FCRA Section 611 ( a ) Accuracy and reinvestigation Issue : Collection reported inaccurately Story : I dispute this collection. Verification is required. If unverified, remove from my credit report. 

ACCOUNT : XXXX XXXX XXXX Law : FCRA Section 611 ( a ) Reinvestigation requirement Issue : Collection reported without verification Story : I do not recognize this collection. Provide proof of debt or delete from report. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief