Consumer complaint received 2025-11-06 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: NV

Complaint narrative:
I am submitting this formal complaint against the listed furnishers and credit reporting agencies for their continued reporting of inaccurate information, negligent verification procedures, and failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my previous disputes and notices, the information remains uncorrected, causing ongoing harm to my credit reputation, emotional distress, and financial injury. The actions of these furnishers and the credit bureaus violate my consumer rights under federal law and require immediate CFPB intervention for correction, deletion, and enforcement actions. 

XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX This address has been inaccurately reported and associated with accounts that do not belong to me. Under FCRA Section 607 ( B ), credit bureaus must follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. The continued presence of this address linked to unrelated or unverifiable accounts is damaging to my credit profile and violates FCRA Section 611, which mandates reinvestigation of disputed information. I demand immediate reinvestigation and removal of this inaccurate address from my credit file as it is not linked to my verified current or previous residence records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} Late Payment XXXX XXXX  This account reflects multiple late payments that are being reported inaccurately and without proper verification. The FCRA Section 602 ( A ) and Section 607 ( B ) clearly require credit bureaus to ensure maximum possible accuracy in all reported information. This account contains inconsistent reporting dates and incomplete verification records. The repeated reporting of late payments without factual proof violates FCRA XXXXection 611, which mandates reasonable procedures to assure accuracy. I am requesting a complete reinvestigation of this account and removal of all unverifiable late payment notations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Late PaymenXXXX XXXX XXXX This account has been listed with incorrect payment status and historical data that do not align with my actual payment history. According to FCRA Section 609 ( A ), I am entitled to full disclosure of the sources and verification used to validate this account. If such verification can not be provided in writing within 30 days, this account must be deleted under FCRA Section 611 ( A ) ( 5 ). Continued reporting of unverifiable late payments is a direct violation of federal law and damages my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-Off XXXX XXXX  This account is being reported as a charge-off even though the balance shows {$0.00}. Such contradictory reporting creates confusion and misrepresents my creditworthiness. Under FCRA Section 607 ( B ), consumer reporting agencies must follow reasonable procedures to ensure accuracy. The charge-off status without a current balance is misleading and violates FDCPA Section 807 ( 2 ) ( A ), which prohibits the false representation of a debts legal status. I demand immediate correction or deletion of this account as unverified and inaccurately reported. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Collection XXXX XXXX This collection account is not recognized and appears to have been reported without proper validation. Under FDCPA Section 809 ( a ), a consumer has the right to request debt validation before any reporting or collection activity. No such validation was ever provided. Reporting a collection without proof of debt ownership or assignment is a violation of both FCRA and FDCPA regulations. I request the deletion of this account for failure to meet verification standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Collection * * This collection is inaccurately reported and reflects an invalid date of opening, suggesting that it was reported post-transaction without my authorization. Under FCRA Section 623 ( A ) ( 1 ), furnishers must not report information they know or have reason to believe is inaccurate. Since no validation or authorization has been provided to verify this alleged debt, I am requesting this account be removed immediately for failure to comply with FCRA and FDCPA guidelines. 

XXXX XXXX Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Collection XXXX XXXX This account was never established by me, and there has been no validation proving my responsibility for the debt. Under FCRA Section 605B regarding identity theft and inaccurate information, any unverifiable or unauthorized account must be removed upon dispute. Continued reporting of this item violates my rights under FCRA and FDCPA, and I am requesting its deletion immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my authorization or permissible purpose as required by FCRA Section 604 ( A ) ( 3 ). Any inquiry performed without written consent or legitimate business need is a violation of federal law and must be deleted immediately. I demand full investigation and confirmation of who initiated each inquiry, the purpose for which it was done, and whether authorization exists. If no proof can be provided, these unauthorized inquiries must be permanently removed from my file. 

The consistent inaccuracy, lack of proper verification, and negligent maintenance of my personal and credit information constitute serious violations of the FCRA and FDCPA. I request that the CFPB enforce compliance, direct the credit bureaus and furnishers to remove unverifiable or unauthorized items, and impose penalties where necessary. My creditworthiness, reputation, and peace of mind continue to be harmed due to their noncompliance. I am exercising my rights under federal law and demand immediate resolution and corrective action.

Company response to consumer: Closed with non-monetary relief