Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this letter to formally dispute inaccurate and unverifiable information being reported on my Equifax credit file. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that consumer reporting agencies like Equifax ensure the maximum possible accuracy of the information they publish, as outlined in 607 ( b ). Furthermore, 611 ( a ) provides me the right to request a reinvestigation, and any item that can not be verified must be deleted. My credit profile currently contains multiple errors, duplicate entries, and unverifiable negative items that are harming my financial reputation and violating my rights. 

The account reported as XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$4500.00}, is being reported with late payments. This reporting is not supported by verifiable documentation, and without proof, it violates both FCRA and Metro 2 standards for accuracy. SimilarlyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$3700.00}, is being reported as charged off, yet no valid documentation has been provided. XXXXXXXX XXXX XXXXXXXX. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$6000.00}, is also listed as charged off, which is not properly validated. 

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$730.00}, is reported as a charge off, but without original contracts or proof, this entry is inaccurate and unverifiable. Multiple XXXX XXXX accounts are also present, raising serious concerns of duplication and improper reporting. XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$8600.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also opened on XX/XX/XXXX with a balance of {$8200.00}, and XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$13000.00}, are all reported as charge offs. Metro 2 standards explicitly prohibit duplicate reporting, yet these three accounts, with nearly identical identifiers and reporting patterns, appear to be duplicates or improperly reported, making them unverifiable under federal law. 

Further, XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$90000.00}, is reported with late payments, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$6000.00}, is also reported as a charge off. The presence of duplicate TD Bank entries alone violates the FCRAs requirement for maximum accuracy. Without full validation of these accounts including signed contracts, billing records, and complete payment histories they can not legally remain on my credit report. 

Additionally, my file reflects unauthorized inquiries that I did not approve. XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX were not authorized by me, nor have I received documentation proving permissible purpose as required under FCRA 604. The law makes it clear that inquiries must only occur with consumer consent or for a legitimate business need that I initiate. These inquiries are harmful to my credit profile and must be removed immediately.

The combined effect of these false, duplicated, and unverifiable accounts and inquiries is severe. They damage my ability to access housing, employment, and fair credit opportunities. The FCRA exists to protect consumers from precisely this kind of harm, and yet Equifax has allowed inaccurate reporting to remain on my file, despite its legal obligations. By continuing to report these unverifiable accounts, Equifax exposes itself to liability for willful noncompliance under FCRA XXXX and negligent noncompliance under 617.

I am demanding that Equifax conduct a full reinvestigation of each of these items in compliance with the law. If Equifax and the furnishers can not provide verifiable proof original signed agreements, complete payment histories, and proper documentation of permissible purpose for inquiries then these entries must be permanently deleted. The law grants me the right to an accurate report, and I expect written confirmation of the results of this reinvestigation within 30 days as mandated by 611 ( a ).

Until this matter is resolved, I am suffering financial harm due to the presence of false information. I urge Equifax to comply with federal law and correct my file immediately to restore the integrity of my credit history.

Company response to consumer: Closed with explanation