Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Chargeoff * * Law/Issue : FCRA 609, 611 Verification of account accuracy Story : I never opened this account. Reporting it as a chargeoff without verification is inaccurate and harmful. I demand full validation from the creditor. If unverifiable, delete this account immediately. Its presence may harm my ability to obtain credit or favorable interest rates. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Chargeoff * * Law/Issue : FCRA 609, 611 Verification of account accuracy Story : I deny ownership of this account and have never received statements or communication from this creditor. The chargeoff is being reported incorrectly and lowers my credit score. Please provide validation or delete this account immediately. 

Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Late Payment * * Law/Issue : FCRA 611 Accuracy and dispute resolution of reported late payments Story : The reported late payments are false. I have maintained timely payments according to my records. These inaccuracies damage my credit reputation and affect lending decisions. Provide documentation of each late payment or remove the incorrect information immediately. 

Account : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law/Issue : FCRA 609, 611 Verification of chargeoff accuracy Story : I have no record of delinquency for this account. Reporting a false chargeoff misrepresents my creditworthiness. I demand full documentation or immediate deletion to correct my credit profile. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation