Consumer complaint received 2025-10-28 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:
I am writing to file a formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, misleading, and unverifiable information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Despite my previous disputes, the following accounts remain on my reports with inaccurate details, incomplete verification, and continued reporting of derogatory information that does not belong to me or can not be substantiated by the furnishers : XXXX. XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Reported Late Payment inaccurately. No supporting documentation or billing history was provided upon dispute. 

XXXX. XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Wrongly reported as a Charge-Off. Account was closed in good standing, yet derogatory status remains without verification. 

XXXX. XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} Incorrectly marked as Charge-Off. Lender failed to validate contractual obligation or provide original signed agreement. 

XXXX. XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Reported as Collection with no verifiable proof of ownership or chain of title of debt. 

XXXX. XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Collection agency has not furnished any validation of debt or consumer authorization under 15 U.S.C. 1692g. 

XXXX. XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Collection account appearing prematurely and inaccurately before any proper notification or validation. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Improper collection reporting without verified documentation or notice of debt transfer. 

XXXX. XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Reported as Collection without providing original creditor name or any proof of consent or obligation. 

XXXX. XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} False Late Payment report despite the account showing a XXXX balance and no active delinquency. 

XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX These inquiries appear unauthorized. I never granted written or electronic consent for these entities to access my consumer file. 

Legal Concerns : These furnishers and reporting agencies have violated several key provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by : Reporting inaccurate, incomplete, or unverifiable information ; Failing to provide proper validation and documentation upon dispute ; Continuing to report derogatory data without certified verification ; Allowing unauthorized inquiries on my consumer file without permissible purpose under 604 of the FCRA.

Requested Action : I respectfully request that the CFPB initiate a full investigation into these furnishers and require the removal of all unverifiable, inaccurate, and unauthorized information from my credit reports maintained by Equifax, Experian, and TransUnion. 

I also request written confirmation of all actions taken as a result of this complaint, including copies of any responses from the furnishers or data furnishers under investigation. 

Thank you for your time, attention, and commitment to ensuring fair credit reporting practices.

Company response to consumer: Closed with explanation