Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am submitting this complaint because several accounts and inquiries appearing on my credit report are inaccurate and damaging to my credit profile. Despite my attempts to have these errors corrected through the credit reporting agencies, the issues remain unresolved. I am requesting your immediate assistance in investigating and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

Below are the accounts and inquiries in question : XXXX XXXX High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Reported Status : Late Payment This reporting is inaccurate. I have never made any late payment on this account. I request full verification of any alleged delinquency or immediate correction of this false information. 

XXXX XXXX High Balance : {$630.00} | Date Opened : XX/XX/XXXX | Reported Status : Late Payment I dispute the late payment history. I have no record of any late payment, and this reporting violates the accuracy standards of the FCRA. 

XXXX XXXX XXXX High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Reported Status : Late Payment This reporting is false. I demand validation of the claimed late payment, including exact dates, payment records, and original creditor documentation. 

XXXX XXXX XXXX High Balance : {$2600.00} | Date Opened : XX/XX/XXXX | Reported Status : Late Payment I dispute the late payment notation. The account history must be corrected to show accurate payment information. 

XXXX XXXX High Balance : {$39000.00} | Date Opened : XX/XX/XXXX | Reported Status : Late Payment This entry is incorrect. I have not missed or made a late payment on this account. The data furnisher must provide written proof of any delinquency or remove the false report immediately. 

XXXX XXXX High Balance : {$1800.00} | Date Opened : XX/XX/XXXX | Reported Status : Charge Off I have no knowledge of this account and have never had any business relationship with this company. This is a case of unverified and potentially fraudulent reporting. I request immediate deletion of this account if it can not be fully validated. 

XXXX XXXX XXXX High Balance : {$2600.00} | Date Opened : XX/XX/XXXX | Reported Status : Late Payment Duplicate and inconsistent reporting for the same creditor. This constitutes duplicate data furnishing and must be corrected. 

XXXX XXXX XXXX High Balance : {$320.00} | Date Opened : XX/XX/XXXX | Reported Status : Late Payment This reporting is inaccurate. I have never been late on any payment for this account. 

XXXX XXXX  XXXX High Balance : {$4100.00} | Date Opened : XX/XX/XXXX | Reported Status : Collection I have no knowledge of this account and never authorized any account or debt with this entity. This appears to be a case of erroneous or fraudulent collection reporting. Please direct the credit bureau to delete this unverified information. 

Additionally, I have noticed several unauthorized or questionable inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, and I request that the CFPB require the credit bureaus to remove any inquiries that lack valid consumer authorization or written consent. 

Under the FCRA ( 15 U.S.C. 1681i ), I have the right to accurate and verifiable credit reporting. If the furnishers or bureaus can not substantiate these entries with documented proof, they must delete or correct the information immediately. 

I am requesting that the CFPB investigate these violations, ensure the furnishers provide complete validation, and confirm the deletion or correction of all inaccurate entries and inquiries. 

Thank you for your attention to this matter. I look forward to a written confirmation of your findings and corrective actions.

Company response to consumer: Closed with non-monetary relief