Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am submitting this complaint to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$16000.00} Date Opened : XX/XX/XXXX Charge Off This account has been disputed multiple times, yet no valid proof has been supplied to confirm ownership, payment history, or proper accounting of the alleged balance. Under FCRA 611, a reinvestigation must be meaningful, not just a rubber stamp verification from a furnisher. I have never received original signed contracts, billing statements, or proof that this debt belongs to me. Continuing to report a charge-off without such verification is unlawful and harmful. The reporting of this item is misleading and incomplete, directly violating FCRA 607 ( B ). Unless full documentation is provided, this account must be permanently deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off The reporting of this account is also highly questionable. The balance remains unsubstantiated, the dates do not align with other records, and there is no evidence that the furnisher followed lawful procedures in charging off this account. The FCRA makes clear that unverifiable or incomplete data can not remain on my report. Simply confirming the account through an automated system is not enough under federal law. If this account can not be proven with complete and accurate records, then its continued reporting is a violation of my rights. This account must be deleted if proper validation can not be produced. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Charge Off This item has been challenged repeatedly, and yet the bureau continues to allow it to remain without producing documentation that would lawfully support its reporting. No original contract, no detailed billing records, and no chain of title for the debt have been provided. The FCRA Section 602 ( A ) clearly states that inaccurate credit reporting harms consumers, and Section 611 gives me the right to demand removal when an item can not be verified. If XXXX XXXX or the credit bureau can not furnish actual proof that this balance is accurate and that the reporting is correct in every detail, then this item must be removed permanently. Continuing to report it without proper evidence is unlawful and damaging.

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

Company response to consumer: Closed with non-monetary relief