Consumer complaint received 2025-11-08 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:
I am filing this formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, incomplete, and unverified information on my credit file. Despite my attempts to resolve these issues directly, these inaccuracies persist and continue to harm my credit reputation and financial stability. 

Below is a list of the disputed accounts currently being inaccurately reported : XXXX XXXX XXXX Late Payment Reported Opened : XX/XX/XXXX | High Balance : {$140000.00} This reporting is completely inaccurate. I have never made any late payments on this account. The furnishers must correct this reporting and accurately update my payment history. 

XXXX XXXX XXXX Late Payment Reported Opened : XX/XX/XXXX | High Balance : {$660.00} This is incorrect and misleading. I have never paid late on this account. I am demanding immediate correction to reflect an on-time payment history. 

XXXX XXXX Late Payment Reported Opened : XX/XX/XXXX | High Balance : {$1200.00} This reporting is false. I have never been delinquent. The late payment notation must be deleted and my account corrected immediately. 

XXXX XXXX XXXX Charge-Off Reported Opened : XX/XX/XXXX | High Balance : {$5200.00} I have no knowledge of this charge-off account. It appears to be erroneously or fraudulently reported. I am requesting its complete deletion from my credit reports unless the furnisher can provide verifiable proof bearing my signature and original documentation. 

XXXX XXXX Late Payment Reported Opened : XX/XX/XXXX | High Balance : {$1300.00} XXXX dispute this record as inaccurate. I have no history of late payments on this account. This data must be corrected immediately. 

XXXX XXXX XXXX Charge-Off Reported Opened : XX/XX/XXXX | High Balance : {$1000.00} I have no knowledge of this account or any charge-off related to XXXX XXXX. This must be deleted for lack of verification. 

XXXX XXXX Charge-Off Reported Opened : XX/XX/XXXX | High Balance : {$2000.00} This account is unknown to me. I demand immediate deletion unless the furnisher can produce verifiable proof of ownership. 

XXXX XXXX XXXX  XXXX Late Payment Reported Opened : XX/XX/XXXX | High Balance : {$740.00} I have never made a late payment. The history reported is false and must be corrected. 

XXXX XXXX Late Payment Reported Opened : XX/XX/XXXX | High Balance : {$470.00} The late payment status is inaccurate. Please update the record to reflect a perfect payment history. 

XXXX XXXX Late Payment Reported Opened : XX/XX/XXXX | High Balance : {$3500.00} The reported late payments are false and damaging. I request verification or immediate correction. 

XXXX  XXXX Charge-Off Reported Opened : XX/XX/XXXX | High Balance : {$450.00} I have no knowledge of this account. It must be deleted for lack of verifiable ownership. 

XXXX XXXX XXXX Late Payment Reported Opened : XX/XX/XXXX | High Balance : {$53000.00} The payment history is incorrect. I have never been late and request correction of all false notations. 

XXXX  XXXX Charge-Off Reported Opened : XX/XX/XXXX | High Balance : {$3100.00} I have no knowledge of this account. It appears fraudulent and should be deleted immediately. 

XXXX XXXX XXXX XXXX Collection Account Opened : XX/XX/XXXX | High Balance : {$1000.00} I have no knowledge or association with this collection account. I am requesting its immediate removal for lack of proof of ownership and violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ) & 611. 

Additionally, several recent inquiries are being reported without my authorization : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries, and they must be removed as they violate FCRA 604 ( a ) ( 2 ). 

These inaccurate, unverifiable, and misleading items are serious violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). The reporting entities have failed to maintain accuracy, reinvestigate properly, and provide proof of ownership or authorization. 

I am demanding the CFPB to conduct a formal investigation into these violations and hold the furnishers and credit bureaus accountable for noncompliance. I request that all unverifiable or inaccurate accounts be corrected or deleted immediately from all three major credit reporting agencies ( XXXX XXXX, and Equifax ). 

Thank you for your attention to this matter. I expect confirmation of your investigation and prompt resolution.

Company response to consumer: Closed with non-monetary relief