Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15103549
Complaint Overview
Complaint ID: 15103549
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30135
Date Received: 2025-08-05T12:00:00-05:00
Date Sent to Company: 2025-08-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/year> Charge Off Law : Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers must report accurate account status. Under the Fair Debt Collection Practices Act ( FDCPA ), inaccurate or unverifiable debt must be corrected or removed. Issue : The charge-off status, balance, and/or account information are inaccurate and not verified. Story : I dispute this charge-off as it is either not mine or reported inaccurately. I request verification of the original creditor account and all supporting documentation. Instruction : Please verify this account with creditor records and remove or correct it if verification can not be provided. ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/year> Charge Off Law : FCRA Sections 609 and 611 require accuracy and verification of disputed information. Issue : This charge-off account is inaccurate or unverifiable. Story : I deny the accuracy of this charge-off and request complete validation. I have no knowledge of this debt or the charge-off status as reported. Instruction : Conduct a complete investigation and remove this account if it can not be verified. ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$7600.00} Charge Off Law : Under FCRA and FDCPA, inaccurate or unverifiable negative account information must be corrected or deleted. Issue : The reported balance and charge-off status are inaccurate. Story : This account and balance are disputed as inaccurate or not mine. I require verification with creditor documentation. Instruction : Please provide validation of this debt or remove it from my credit file. I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.
Frequently Asked Questions
What is Complaint #15103549 about?
Complaint #15103549 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-05T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.