Consumer complaint received 2025-11-08 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: NC

Complaint narrative:
I am filing this formal complaint against several creditors and data furnishers for reporting false, inaccurate, and unverifiable information on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Despite my previous disputes, these furnishers have continued to report misleading information that is damaging my credit reputation. Below are the specific accounts in question and the nature of the inaccuracies : Accounts Reported with Inaccurate Late Payments ( Never Late ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | High Credit : {$67000.00} Reported with late payment history that is completely false. I have never made any late payments on this account, and this reporting is inaccurate and must be corrected immediately. 

XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$2000.00} Incorrectly showing late payments. I have always paid this account responsibly and on time. Please instruct the furnisher to update the payment history to Paid As Agreed. 

Accounts Reported as Charge-Offs ( No Knowledge of These Accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no knowledge or record of ever opening or authorizing these accounts. These appear to be erroneous, fraudulent, or identity-misassociated entries, and under the FCRA, they must be deleted immediately if the furnishers can not verify them with documented evidence of my authorization and account ownership. 

Accounts Reported as Collections ( No Knowledge of These Accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no association or knowledge of these alleged collection accounts. These furnishers are reporting false and unverified information that is harming my credit profile. I demand full deletion of these items if verifiable proof of account ownership and authorization can not be produced.

My Demands : Under the FCRA Sections 602, 607, and 611, I am requesting that the CFPB investigate these furnishers and compel them to : Conduct a full reinvestigation of each disputed account. 

Provide documented proof of authorization and payment records for each account. 

Delete all unverifiable or false entries from my credit file. 

Confirm compliance with FCRA 623 ( a ) ( 1 ) ( A ) prohibiting the reporting of inaccurate information.

Failure to comply with these federal laws constitutes willful and negligent noncompliance and subjects these furnishers to penalties and potential civil liability under 15 U.S.C. 1681n and 1681o.

I am requesting that the CFPB hold these data furnishers and credit reporting agencies accountable for the ongoing harm caused by these violations. Please ensure that a full investigation is opened, and provide me with the results and corrective actions taken. 

Thank you for your attention to this matter. I expect a written response confirming receipt and initiation of an investigation.

Company response to consumer: Closed with explanation