Consumer complaint received 2025-10-13 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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding several inaccurate and unverified items being reported on my credit report by XXXX. These accounts and public records are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior disputes, the reporting agency continues to list false, duplicate, and unverifiable information that has negatively affected my credit standing and financial reputation.

Below are the specific accounts and issues in question : XXXX XXXX XXXX XXXX Late Payment Open Date : XX/XX/XXXX High Balance : {$33.00} This account is being reported as having a late payment which is completely false. I have never been late on any payment with this creditor. The reporting of a delinquency without factual proof is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) which requires maximum possible accuracy. There is no supporting evidence from the creditor validating this alleged delinquency. Therefore, this inaccurate mark must be corrected immediately to show an on-time payment history. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$20000.00} This account is being reported as a charge-off which I have no knowledge or documentation of. XXXX XXXX has failed to provide any original signed contract, payment history, or documentation verifying that I owed or defaulted on this account. Reporting an unverified charge-off constitutes a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611 ( a ) which requires the credit bureaus to verify accuracy before reporting. I request immediate deletion of this account from my file. 
XXXX XXXX XXXX  XXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$570.00} I have no knowledge of this account and have never received any billing or correspondence related to it. Without proper validation or signed contractual proof, this account can not lawfully remain on my report. Under FCRA 611 ( a ) ( 1 ) ( A ), I am requesting a reinvestigation and deletion of this item unless fully verified with original documentation. Reporting unverifiable information violates FCRA 623 ( a ) ( 3 ). 
XXXX XXXX XXXX Late Payment Open Date : XX/XX/XXXX High Balance : {$1100.00} This late payment claim is completely inaccurate. I have always made payments on time and never received any delinquency notice. The creditor must provide billing records showing the exact date and amount of the alleged late payment. If such evidence can not be produced, this entry must be corrected to Paid as Agreed under FCRA 607 ( b ) and FCRA 611 ( a ). 
XXXX XXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$1100.00} I have no knowledge of this account or any agreement with XXXX XXXX. No documentation, signed application, or payment record has ever been provided. Under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), you must verify the accuracy and ownership of this debt. If it can not be verified through original source documentation, this account must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$6000.00} This reporting is completely inaccurate and unverified. I have never had any financial relationship with XXXX XXXX. Reporting false charge-off information without validation is a serious violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). I am demanding deletion of this account unless verifiable proof, such as signed agreements and complete payment history, is produced. 
XXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$890.00} I do not recognize this account and have never received any correspondence, bills, or collection notice regarding this alleged debt. Reporting unverifiable accounts is unlawful under FCRA 611 ( a ) and 623 ( b ). Please remove this entry immediately if it can not be validated. 
XXXX XXXX Late Payment Open Date : XX/XX/XXXX High Balance : {$34.00} This account is being reported with a late payment, which is completely inaccurate. I have never missed or been late on any payments related to this account. Reporting a false delinquency without any verification or documented proof directly violates FCRA 623 ( a ) ( 1 ) ( A ). The furnisher must produce full payment records to substantiate the accuracy of this report. If it can not be verified, this item must be corrected to reflect an on-time payment history under FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$140.00} I have no knowledge or recollection of ever opening or authorizing any account with XXXX XXXX XXXX. Reporting a charge-off without any original signed contract, billing statements, or supporting evidence is unlawful and violates FCRA 623 ( a ) ( 3 ) and 611 ( a ) ( 1 ) ( A ). The creditor must provide complete validation of this account, including the date of delinquency and proof of ownership. If such evidence can not be provided, I demand immediate deletion from my credit file. 
XXXX XXXX XXXX XXXX XXXX Collection Date Assigned : XX/XX/XXXX Original Balance : {$510.00} This alleged collection account is being reported inaccurately and without my consent. I have never received any notice or billing statement from XXXX XXXX regarding this balance. Reporting an unverified collection without proper validation documentation such as the original service contract, billing details, or itemized statements is a direct violation of FCRA 623 ( b ). Additionally, no written notice of collection under FDCPA 809 ( a ) was ever received. Therefore, this account must be deleted immediately unless full validation is produced. 
XXXX XXXX XXXX Discharged Case # XXXX Date Filed : XX/XX/XXXX This appears to be a duplicate or fabricated entry of the same case number previously mentioned. The repetition of bankruptcy filings with slight variations in the case identifier is misleading, inaccurate, and harmful. Reporting duplicate or erroneous public record data is a violation of FCRA 607 ( b ) and FCRA 616, as it damages my credit reputation. I request immediate removal of this duplicate record. 
XXXX XXXX XXXX Dismissed Case # XXXX Date Filed : XX/XX/XXXX This is a duplicate of the same dismissed bankruptcy noted above. Duplicate reporting of the same record further misrepresents my credit history and violates FCRA 607 ( b ). I request that all duplicates be removed from my file to ensure accuracy and compliance.

Requested Resolution : I respectfully request that the CFPB investigate these inaccurate and duplicate entries. XXXX  has failed to comply with federal law by continuing to report unverifiable, duplicate, and misleading information. I am asking that : All false, unverified, and duplicate accounts be removed from my credit report immediately. 
XXXX  be required to provide documented proof of verification for each disputed account or public record. 
I receive written confirmation once the corrections and deletions are made. 
These inaccuracies have caused significant harm to my credit reputation, emotional distress, and denial of credit opportunities. I trust that the CFPB will take appropriate regulatory action to ensure XXXX  complies with the Fair Credit Reporting Act and corrects these serious violations. 
Thank you for your attention to this matter. I look forward to your written response and confirmation of action taken.

Company response to consumer: Closed with non-monetary relief