Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because several credit reporting agencies and data furnishers are reporting inaccurate, unverifiable, and unauthorized information on my credit reports. Despite my efforts to dispute these items with the credit bureaus, the information remains uncorrected and continues to damage my credit profile. 
Below are the specific items in question : Account Disputes XXXX XXXXXXXX Account # XXXX * High Balance : {$430.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge of this account, and I do not recall ever opening or authorizing such credit with Capital XXXX. Please provide documentation verifying this debt or delete the account entirely if verification can not be provided. 
XXXX Account # XXXX * High Balance : {$120.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account is reporting incorrect payment history. I have never made any late payments on this account. Please review and update all payment history to show Paid on time for all months reported. 
XXXX Account # XXXX * High Balance : {$370.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge or record of this account. I request immediate verification and deletion if the furnisher can not provide complete signed documentation proving this account belongs to me. 
XXXX Account # XXXX * High Balance : {$150.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I do not recognize this account. Please investigate and provide original application and payment history. If unverifiable, please delete immediately. 
XXXX XXXX Account # XXXX * High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Status : Collection This collection account is being inaccurately reported. I have no contract or direct relationship with this company. Please provide verification from the original creditor or delete this collection from my file. 
XXXX XXXX XXXX Account # XXXX * High Balance : {$150.00} | Date Opened : XX/XX/XXXX | Status : Collection I have no record or knowledge of this account. If this debt can not be verified with original documentation, please remove it from my credit file as required under the FCRA. 
XXXX XXXXXXXX Account # * High Balance : {$800.00} | Date Opened : XX/XX/XXXX | Status : Collection I have no knowledge of this account and have never had any agreement or contract with this company. Please provide the original application and full documentation from the original creditor. If verification can not be provided, this item must be deleted immediately. 
Summary of the Problem I have disputed these items directly with the credit reporting agencies, but they continue to report the same inaccurate information without providing validation or proof of investigation results. The furnishers have failed to provide the original contracts, account applications, or payment records proving these debts are mine. 
These actions violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 607 ( b ) : Failure to ensure maximum possible accuracy 611 ( a ) : Failure to properly investigate consumer disputes 604 ( a ) : Unauthorized credit inquiries without permissible purpose Requested Resolution I respectfully request the CFPB to : 1. Investigate these accounts and inquiries with the reporting bureaus and furnishers.

2. Require deletion of any account or inquiry that can not be fully verified with proper documentation.

3. Ensure compliance with the FCRA and hold the furnishers accountable for inaccurate and unauthorized reporting.

4. Provide me with written confirmation of actions taken and a corrected version of my credit report. 
Thank you for your assistance in resolving this matter. I am submitting this complaint to protect my consumer rights and to ensure that only accurate, verified, and authorized information remains on my credit profile.

Company response to consumer: Closed with explanation