Consumer complaint received 2025-10-07 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: PA

Complaint narrative:
This is a formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing multiple inaccuracies, unverifiable accounts, and unauthorized inquiries on my credit report. These entries include false late payments, charge-offs, collections, and hard inquiries that I did not authorize or have knowledge of. These inaccuracies are damaging my credit, causing financial harm, and violating my rights under federal law. 
Account Disputes : XXXX Account XXXX. XXXXXXXX XXXX XXXX High Balance : {$130000.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This account is reporting late payments that are inaccurate and unsupported by any verifiable evidence. I have never been late, nor have I received any valid notice indicating such delinquency. Under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting false or unverifiable information. I request that this accounts payment history be corrected immediately to reflect on-time payments. 
XXXX  XXXX Account XXXX. XXXXXXXX XXXX XXXX  High Balance : {$3200.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment The same situation applies here the alleged late payments are false. It is unfair and misleading for this lender to report negative information without substantiated evidence. These false remarks harm my creditworthiness and violate my rights to accurate reporting. 
XXXX Account XXXX. XXXXXXXX XXXX XXXX High Balance : {$4800.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I have no knowledge or recollection of this account. I have never entered into a credit agreement with this entity. There has been no communication, billing, or documentation ever received. This appears to be an erroneous or possibly fraudulent entry. I demand complete deletion of this account due to unverifiable and inaccurate reporting under FCRA XXXX and FDCPA XXXX ( XXXX ). 
XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX High Balance : {$1900.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off Similarly, I have no knowledge of this account. I never applied for or used any credit with XXXX through XXXX Bank. Reporting such a charge-off without proof of contractual agreement or payment records is a serious violation of federal consumer laws. I request immediate deletion of this account. 
XXXX  XXXX XXXX Account No. XXXXXXXX XXXX XXXX High Balance : {$2700.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I dispute this account entirely as it is falsely reported as a charge-off. I have never received any validation or statement showing delinquency, nor any written notice prior to this derogatory mark. This negative entry must be removed unless verified with full documentation signed by me as the legitimate debtor. 
XXXX  XXXX Account XXXX. XXXXXXXX XXXX XXXX  High Balance : {$630.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This account shows false late payments. I have maintained responsible credit behavior, and there are no verifiable records that justify these claims. I request the bureau and the furnisher to correct these inaccuracies and update this account to reflect a positive payment history. 
XXXX  XXXX Account XXXX. XXXXXXXX XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment I strongly dispute the reported late payments on this account. I have never missed or delayed any payment, and the information being reported is false. There has been no legitimate verification or documented evidence supporting the alleged delinquency. This violates FCRA XXXX ( a ) ( XXXX ) ( A ), as furnishers must not report inaccurate information. I request that the late payment status be corrected immediately to reflect accurate payment history. 
XXXX  BANK Account XXXX. XXXXXXXX XXXX XXXX High Balance : {$3800.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I have no knowledge or recollection of this account. I have never received any billing statements, communication, or documentation from this creditor. This account appears to be either fraudulent or a reporting error. Under FCRA XXXX ( a ) and FDCPA XXXX ( XXXX ), this unverifiable and inaccurate entry must be deleted in full unless legally validated with signed contractual documentation proving my responsibility. 
XXXX  XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX  High Balance : {$830.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment The alleged late payments on this account are inaccurate. I never received any notice of delinquency, nor did I miss payments during the stated period. Reporting such false information is misleading, unlawful, and damages my consumer rights protected under the FCRA. I request immediate correction of this accounts payment history. 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX  High Balance : {$13000.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off This account is being reported as a charge-off, which is completely false. I have no knowledge of this account, have never applied for or used any XXXX XXXX matching this account number, and have not received any communication or billing record. This appears to be an identity error or a mixed file. I demand complete deletion of this entry unless valid proof is provided, including the original signed credit application and full payment history. 
XXXX  XXXX Account XXXX. XXXXXXXX XXXX XXXX High Balance : {$1100.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This account shows inaccurate late payment reporting. I always paid this account on time, and no valid documentation exists to support the alleged delinquencies. This misreporting negatively affects my creditworthiness and violates my rights under FCRA XXXX ( b ). Please update this account to reflect accurate, on-time payments. 
XXXX  XXXX Account XXXX. XXXX XXXX XXXX XXXX  High Balance : {$1100.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment The reporting of late payments on this account is incorrect. I never received any delinquency notices nor missed any due date. I am requesting a reinvestigation and correction to show all payments made timely. Failure to correct will be considered a violation of federal reporting accuracy requirements. 
XXXX BANK Account XXXX. XXXX * * * High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I have no knowledge of this account. I never authorized or maintained any account with XXXX Bank for the amount reported. No original application, billing statements, or verifiable records have ever been presented to me. This account should be deleted immediately as it is unverifiable and likely erroneous. 
XXXX  XXXX BANK Account No. XXXXXXXX XXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off This charge-off is false and unverified. I have no record or memory of such an account, and no communication or documentation from XXXX XXXX Bank has ever been received. I have never signed or entered into any agreement that would justify this entry. I request deletion of this account in full unless proven valid with authenticated records. 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX  High Balance : {$6200.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I dispute this charge-off entirely. I have no knowledge of this account, and I have never received any billing statement, communication, or notice of delinquency from XXXX. The account appears fraudulent or misreported. Under FCRA XXXX and FDCPA XXXX ( XXXX ), any unverifiable or inaccurate information must be deleted immediately unless the furnisher provides full validation, including a signed credit agreement and full account history. 
XXXX  XXXX BANK Account No. XXXXXXXX XXXX XXXX XXXX High Balance : {$960.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I dispute this charge-off as inaccurate and unverified. I have no record of ever receiving any legitimate notice or documentation regarding this account. If this account truly existed, the furnisher must produce verified evidence of my responsibility for the debt, including the original contract. Failure to do so constitutes a violation of FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ). 
XXXX  XXXX BANK Account No. XXXXXXXX XXXX XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off This is a duplicate and false reporting. It appears to be an error or double reporting of a non-existent or already resolved account. Reporting the same information multiple times violates the FCRAs accuracy requirement. I am demanding full deletion of both entries due to unverifiable and duplicate reporting. 
XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX  High Balance : {$5400.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off This account is being reported as a charge-off, which is false and misleading. I have never defaulted on any account with XXXX XXXX, and I have not received any written notice or communication regarding such delinquency. This reporting is damaging, unverified, and must be corrected or removed. 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX  High Balance : {$18000.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This account is inaccurately reporting late payments. I have always made timely payments, and there is no documented evidence proving otherwise. I am requesting a full reinvestigation and correction to reflect an accurate, on-time payment history. Failure to correct this false reporting will constitute a violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$14000.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I dispute this charge-off entirely. I have no knowledge of this account and have never received any documentation showing that I am responsible for it. This account must be verified through original signed documentation or permanently deleted for noncompliance under FCRA XXXX. 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$12000.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off This entry is also being reported as a charge-off without any legitimate verification. I have no knowledge or record of this account, and the furnisher has failed to provide any lawful evidence of its validity. I am demanding that this account be deleted immediately as unverifiable. 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX High Balance : {$47000.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This account is reporting late payments incorrectly. I have consistently paid this account on time, and there is no evidence or documentation supporting the claim of late payments. Reporting false late payments violates FCRA XXXX ( a ) ( XXXX ) ( A ). I request correction to reflect an accurate payment history immediately. 
Unauthorized/Inaccurate Hard Inquiries : The following hard inquiries are being reported without my authorization or proper documentation of a permissible purpose under FCRA XXXX XXXX a ) : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and have caused damage to my credit score. I request immediate removal of these inquiries from my credit report as they are unauthorized and in violation of federal law. 
Legal Basis and Requested Relief : Under FCRA XXXX, XXXX, XXXX, XXXX and FDCPA XXXX, XXXX, I am entitled to dispute any inaccurate, incomplete, or unauthorized credit information. All items listed above are either false, unverifiable, or unauthorized. 
I request a full reinvestigation of all accounts and inquiries listed. If furnishers can not provide certified proof of accuracy, authorization, or liability, all entries must be permanently deleted. Written confirmation of the reinvestigation and results must be provided within XXXX days as required by law.

Company response to consumer: Closed with non-monetary relief