Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
This complaint is being submitted to request a full and proper investigation into multiple inaccurate, unverifiable, and misleading items being reported on my consumer credit file. These accounts and entries are damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have made numerous attempts to resolve these issues directly with the credit bureaus and data furnishers, yet the items remain on my reports without proper verification or documentation. This complaint is being filed as a final attempt to obtain justice, accuracy, and compliance with federal law. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9300.00} Status : Late Payment * * This account is being disputed once again because it continues to show a late payment record that has not been verified with any legally sufficient documentation. Under FCRA 1681i ( a ) ( 1 ) ( A ), the bureau must conduct a reasonable reinvestigation once a dispute has been submitted. However, no proper verification documents, original billing statements, or payment records have been produced to confirm this alleged delinquency. Reporting unverifiable or incomplete data after a reinvestigation violates 1681e ( b ), which requires that all information in consumer reports be accurate and complete. This inaccurate late payment is causing significant harm to my creditworthiness. I am demanding that this account be deleted immediately since it can not be lawfully verified. 

INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These inquiries are unauthorized and unverified. I never granted any permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ) for these companies to access my consumer report. Each inquiry appearing without written authorization constitutes a violation of federal law and an invasion of privacy. The bureaus are obligated to remove any inquiry that can not be substantiated with documented proof of authorization from the alleged inquirer. I have repeatedly requested documentation proving that I consented to these inquiries, but none has been provided. Continuing to report these inquiries without proof of permissible purpose violates 1681b ( f ) and 1681n ( a ), and therefore they must be permanently deleted. 

I am demanding a full reinvestigation and deletion of all unverifiable, inaccurate, and improperly reported accounts mentioned above. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are clear about consumer rights regarding accuracy, fairness, and verification. Any continued reporting or failure to validate will be treated as willful noncompliance under FCRA 616 and 617. I request the Consumer Financial Protection Bureau to enforce these violations, ensure corrective action is taken by the data furnishers and credit reporting agencies, and hold them accountable for their ongoing disregard of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief