Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
Dear CFPB Officer, I am filing a formal complaint against Equifax Information Services LLC for continuing to report inaccurate, outdated, and unverified items on my credit report. I have lawfully disputed these items, but Equifax failed to properly reinvestigate or validate them as required under the Fair Credit Reporting Act ( FCRA ), specifically under 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ). 

Below are the items I am disputing, along with the issues : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX These addresses are incorrect and do not belong on my credit file. They are misleading and may be linked to mixed or fraudulent information, violating FCRA 607 ( b ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This {$82.00} charge-off was never validated. I requested the original signed contract and billing statements. No such proof was provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A {$560.00} charge-off continues to report without validation. I never received a debt notice, agreement, or payment history. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This {$50.00} charge-off is unfamiliar to me. I never authorized this account, and no documentation was submitted in response to my dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a late payment despite having a {$0.00} balance. Reporting a paid account as derogatory misrepresents my creditworthiness. 

XXXX XXXX Another {$0.00} balance account reporting a late payment without any evidence or payment history provided. It is misleading and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  This {$100.00} charge-off was disputed, but Equifax failed to provide any proof of ownership, contract, or validation documentation. 

XXXX XXXX XXXXXXXX XXXX  A charge-off listed with a {$0.00} balance, yet Equifax continues XXXX report it as derogatory. This is deceptive and violates FCRA 607 ( b ). 

XXXX XXXXXXXX XXXX  This {$16000.00} account is reported with multiple late payments. I requested a detailed billing history and a signed agreement. No such documents were provided. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) These XXXX entries report balances of {$12000.00} and {$6600.00}. They appear duplicative and are both listed with late payments. This is a case of double-reporting and unfairly impacts my score. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This {$4200.00} charge-off was never validated. No documentation or debt notice was issued to me. 

XXXX XXXXXXXX XXXX  This {$750.00} charge-off has not been verified or validated. I did not receive any evidence supporting my responsibility for this account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX separate charge-offs of {$800.00} and {$560.00}, respectively, from the same debt buyer. These may be duplications or unverifiable debts. Equifax has not provided contracts, billing records, or ownership proof. 

XXXX XXXX  XXXX This {$1200.00} collection is unfamiliar to me, and I have received no documentation or validation. 

XXXX XXXX  XXXX A collection account with {$890.00} balance that was never validated. I requested proof and never received any verification. 

Equifaxs failure to conduct a reasonable investigation and provide documentation for these items constitutes noncompliance with the FCRA. Their inaction has resulted in harm to my credit score, creditworthiness, and financial opportunities. I am requesting the CFPB investigate Equifaxs violations, compel them to delete all unverifiable or duplicate accounts, and ensure compliance with consumer protection laws.

Company response to consumer: Closed with explanation