Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to report serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by the credit reporting agencies and the furnishers of information listed below. Despite my rights under federal law, my credit file continues to contain inaccurate, unverifiable, and unauthorized information. These errors are causing significant harm to my creditworthiness and financial life. 
XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment I dispute the reported late payment. I have never been late on this account and always ensured timely payments. The late payment notation is completely inaccurate and misrepresents my payment history. FCRA XXXX requires furnishers of information to report accurately. This is a false negative mark on my credit and must be corrected immediately to reflect Pays As Agreed. 
FAMILY LA CO Acct : XXXXXXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Status : Late Payment I dispute the late payment claim. This account shows a balance of {$0.00}, meaning there was no open obligation, so reporting me as late is factually impossible. This is a violation of FCRA XXXX requiring fair and accurate reporting. This account should either be corrected to show never late or deleted entirely if no proof of delinquency exists. 
XXXX XXXX Acct : XXXXXX/XX/XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge of this charge-off account. I never opened or authorized this account, nor did I receive any statements or agreements showing my liability. Reporting a charge-off without my consent or contract is a direct violation of FDCPA XXXX ( a ) requiring verification of debts and FCRA XXXX regarding reinvestigation. This account must be deleted immediately. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Status : Late Payment I dispute the late payment notation. As shown, the balance is {$0.00}, which proves there was no active credit obligation. Reporting me late on a closed or zero-balance account is inaccurate, misleading, and harmful to my credit reputation. I request immediate correction to reflect an accurate history. 
Summary of Violations : Wrong addresses that do not belong to me ( FCRA XXXX ( b ), XXXX ). 
False and unverifiable late payments and charge-offs ( FCRA XXXX, FDCPA XXXX ). 
Unauthorized hard inquiries without my consent ( FCRA XXXX ). 
Relief Sought : I request the CFPB to take immediate action against the credit reporting agencies and furnishers for their repeated violations. Specifically, I demand : XXXX. Permanent deletion of all wrong addresses. 
XXXX. Correction or deletion of all inaccurate and unverifiable late payments and charge-off accounts. 
XXXX. Immediate removal of unauthorized hard inquiries. 
XXXX. Written confirmation of compliance within the investigation period. 
These errors have severely damaged my credit score, affected my ability to secure housing and credit, and caused unnecessary financial distress. I am requesting the CFPBs intervention to ensure compliance with federal law and the protection of my consumer rights.

Company response to consumer: Closed with non-monetary relief