Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate late payments reported on my credit report. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused significant harm to my creditworthiness. I request immediate investigation and correction of all listed accounts. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} Chargeoff I have no knowledge of this account. The chargeoff status is inaccurate. FCRA 1681e ( b ) mandates accurate reporting ; FCRA 1681i ( a ) requires reinvestigation of disputed items. I demand deletion of this account. 

Account : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} I have no knowledge of this account. Reporting it on my credit report is false and violates FCRA Sections 1681e ( b ) and 1681i ( a ). Immediate deletion is requested. 

Account : DEPTED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX This account inaccurately reports late payments. I have consistently made payments on time. FCRA 1681e ( b ) requires accurate reporting ; FCRA 1681i ( a ) requires reinvestigation of disputed information. I demand correction of this false late payment information. 

Account : DEPTED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX XXXX This account shows false late payments. I have never been late. Under FCRA Sections 1681e ( b ) and 1681i ( a ), this information must be corrected immediately. 

Account : DEPTED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX The late payment history on this account is incorrect. I request reinvestigation under FCRA 1681i ( a ) and correction under 1681e ( b ). 

Account : DEPTED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX This account falsely reports late payments. FCRA Sections 1681e ( b ) and 1681i ( a ) require accuracy and reinvestigation. Immediate correction is demanded. 

Account : DEPTED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Inaccurate late payment history continues to be reported. I have never been late. FCRA 1681e ( b ) mandates accurate reporting ; FCRA 1681i ( a ) requires reinvestigation. Correct this false information promptly. 

Account : DEPTED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX This account incorrectly reports late payments. FCRA Sections 1681e ( b ) and 1681i ( a ) apply. I demand immediate correction. 

Account : DEPTED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Late payments are falsely reported on this account. I request immediate reinvestigation and correction under FCRA 1681i ( a ) and 1681e ( b ).

All listed accounts contain inaccurate late payment information that I dispute in full. These false reports violate my rights under the FCRA and have caused tangible harm to my financial standing. I request the CFPB to ensure all inaccuracies are corrected or deleted promptly to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief