Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I am submitting this complaint to the CFPB regarding multiple inaccurate credit reporting items and an unauthorized inquiry on my credit report that have caused significant financial harm, credit denial, and stress. I request immediate investigation and corrective action under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account : XXXX XXXX XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Type : Late Payment Story : This account reports late payments that are inaccurate and do not reflect my actual payment history. I have bank statements, account confirmations, and transaction records proving all payments were made on time. FCRA Section 609 ( a ) ( 1 ) allows me to request verification of disputed information, and the furnisher has failed to provide valid proof. Reporting these late payments misrepresents my creditworthiness and violates FCRA Sections XXXX ( b ) and XXXX ( a ). This inaccurate reporting has caused a decrease in my credit score, impacted my ability to qualify for loans at favorable rates, and created financial stress. The continuous misreporting demonstrates a failure of reasonable procedures to ensure accuracy as required by law. I demand these late payments be corrected or deleted and that the bureau provide written confirmation of the reinvestigation results. Reporting false information in this manner is unacceptable and violates federal law, affecting both my current and future financial opportunities. The psychological and financial harm caused by this inaccuracy is substantial, and I insist upon immediate corrective action to prevent further damages. 

Account : XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Type : Late Payment Story : This account incorrectly reports late payments that do not exist. Documentation, including bank XXXX, confirms all payments were timely. FCRA Section 609 ( a ) ( 1 ) entitles me to verification of disputed items, and the furnisher has failed to provide such verification. Continued reporting of inaccurate late payments is a violation of FCRA Sections 607 ( b ), 611 ( a ), and 623 ( a ) and negatively affects my creditworthiness and ability to access financial products. The inaccuracies have caused undue stress, financial harm, and misrepresentation of my responsible payment behavior. I demand correction or removal of this account and written confirmation of the reinvestigation results. Failure to correct these items undermines consumer protection laws and violates my rights under FCRA. 

Account : XXXX XXXXXXXX High Balance : {$4800.00} Date Opened : XX/XX/XXXX Type : Charge Off Story : This account has been inaccurately reported as a charge off. Payment records confirm that all amounts were current and no charge off occurred. FCRA Sections 607 ( b ) and 611 ( a ) ( 1 ) require accurate reporting and proper verification. Reporting this account as a charge off misrepresents my financial responsibility, violates federal law, and damages my creditworthiness. The inaccurate reporting affects my ability to obtain loans, increases interest rates, and impacts employment opportunities that require credit checks. I request immediate deletion or accurate correction of this account and written confirmation of the reinvestigation results. Misreporting of this magnitude demonstrates negligence and noncompliance with federal law, requiring prompt corrective action. 

Account : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : Charge Off Story : This account falsely reports a charge off despite a {$0.00} balance. Documentation confirms the account was settled and closed. FCRA Section 623 ( a ) ( 1 ) ( A ) mandates accurate reporting, and reporting it as a charge off is misleading and unlawful. The false reporting negatively impacts my credit profile, lending opportunities, and financial reputation. I demand immediate deletion or accurate correction and written confirmation of the reinvestigation results. This inaccurate reporting violates federal law and has caused financial harm, inconvenience, and stress. 

I certify that the information above is true to the best of my knowledge. I request CFPB to fully investigate each account and the inquiry, enforce accurate reporting, and require deletion or correction of any unverified or inaccurate items in accordance with federal law. I also request written confirmation of any actions taken. CFPB intervention is necessary to ensure my rights are protected under the FCRA and FDCPA and to restore my financial reputation.

Company response to consumer: Closed with non-monetary relief