Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am submitting this complaint against Equifax for reporting multiple inaccurate and derogatory accounts on my credit report, which have significantly harmed my creditworthiness. Despite multiple attempts to address these issues, Equifax has failed to fulfill its responsibilities under the Fair Credit Reporting Act ( FCRA ). I respectfully request a full investigation and correction/removal of the following inaccurate items. Each account listed below contains reporting violations and is being disputed under applicable federal laws. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00} Issue : This account is reporting a late payment inaccurately. I have no record of receiving any delinquency notice or billing statement reflecting late payment. 
XXXX Cited : Per FCRA 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to report accurate information. Additionally, FCRA 1681i mandates that credit reporting agencies must reinvestigate disputed information in a timely manner. 
Supporting Story : I have maintained consistent payments on this account, and Equifaxs failure to ensure the accuracy of reported information has resulted in unjust harm to my credit. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Issue : Late payment is being reported inaccurately. I was under deferment/forbearance status during the time of reported delinquency. 
XXXX Cited : Under FCRA 1681c ( a ), outdated negative information should not remain on a credit report beyond XXXX years. Additionally, FCRA XXXX prohibits furnishing information known to be inaccurate. 
Supporting XXXX : This account has been under student loan protection status and never should have shown a late mark during authorized deferment. Equifax failed to investigate and correct the entry. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Issue : Late payment inaccurately reported while the account was in administrative forbearance. 
Law Cited : FCRA 1681s-2 ( a ) ( 1 ) ( B ) obligates furnishers to update or correct inaccurate information. 
Supporting Story : I have supporting documentation indicating that this account was in good standing, but Equifax continues to report harmful inaccuracies. 
XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Issue : Late payment reported inaccurately and continues to reflect delinquency beyond permissible reporting timelines. 
Law Cited : Per FCRA 605 ( a ) ( 5 ), negative items such as late payments must not be reported beyond XXXX years. 
Supporting Story : I requested validation and correction from Equifax with no resolution. The continued listing is damaging and not in compliance with federal law. 
XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Issue : This collection account is not recognized by me and was never authorized. I believe this to be identity theft or a fraudulent account. 
Law Cited : FCRA 1681g entitles consumers to full disclosure of information, and FCRA 1681c-2 gives consumers the right to block fraudulent information from being reported. 
Supporting Story : I never opened or authorized this account. Equifax has failed to verify the source and legitimacy, violating my rights under the FCRA. 
XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Issue : This collection account is unknown and unverified. It is being falsely attributed to me. 
Law Cited : Under FCRA 611 ( a ), the credit bureau is required to investigate any disputed information within XXXX days. 
Supporting Story : I have never received any communication about this debt. Equifax did not properly validate this account, violating both FCRA and my consumer protection rights. 
XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Issue : This hard inquiry was made without my consent or any credit application. 
Law Cited : FCRA 604 ( a ) ( 3 ) allows inquiries only with permissible purpose. 
Supporting Story : I did not authorize or initiate any credit application with this company. This inquiry was placed fraudulently and without proper notice or approval. 
Conclusion : Equifax has clearly violated multiple provisions of the Fair Credit Reporting Act. The presence of inaccurate late payments, fraudulent accounts, and unauthorized inquiries has resulted in severe and ongoing damage to my credit profile. I demand that Equifax conduct a full and immediate investigation into each item listed and provide written confirmation of deletion or correction. If Equifax fails to comply, I will pursue legal remedies and escalate this matter to relevant regulatory authorities. 
I request CFPB to take appropriate enforcement action against Equifax and ensure compliance with federal laws that protect consumers from inaccurate and unfair credit reporting practices. 
Requested Resolution : Immediate investigation and removal/correction of all disputed items Written notice of actions taken Prevent future re-reporting of verified false information

Company response to consumer: Closed with non-monetary relief