Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Dear CFPB Officer, I am submitting this complaint because several accounts and inquiries are being falsely reported on my credit report by multiple furnishers. These inaccurate reports have caused severe damage to my credit standing and financial well-being. Despite prior disputes with the credit bureaus, these items remain unresolved and unverified, in direct violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 
Below are the specific accounts and issues I am requesting to be investigated immediately : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1200.00} | Late Payment This account is reporting as late payment, which is completely inaccurate. I have never made any late payments to this creditor, and no supporting documentation has ever been provided to validate such claims. Under FCRA 611, I request a full reinvestigation and correction of this false reporting. 
XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$6200.00} | Late Payment This account is inaccurately marked as late. There is no verifiable proof of delinquency. This constitutes defamation of my credit profile. The creditor must be compelled to provide original payment records or remove this false data immediately. 
XXXX  XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment This account reflects a late payment even though the balance is XXXX and the account is closed. A late payment can not occur on a zero-balance or inactive account. This false reporting violates FCRA 623 ( a ) ( 1 ) ( A ) and must be deleted or corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment This is a clear reporting error. I have maintained perfect standing with my XXXX XXXX accounts. There is no factual evidence of late activity. This information should be removed immediately as it is damaging my credit unlawfully. 
XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX | Balance : {$0.00} | Late Payment This account is reporting false late payment data. The reporting agencies and the creditor have failed to validate this negative information with proper documentation. This violates FCRA 602A requiring fair and accurate credit reporting. 
XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off I have no knowledge of this charge-off. I never received any written notice or proof of default. This account appears duplicated and unverified. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), I demand proof of the original signed agreement, payment history, and validation of the alleged debt or immediate deletion. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment A late payment with a XXXX balance is not logically possible. This false data is severely damaging and violates FCRA 623 ( b ). Please ensure immediate removal or correction. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment I am disputing this reporting because there has been no verified proof of delinquency. This creditor has failed to provide any supporting documentation. Please reinvestigate and correct this record immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$420.00} | Collection I have no knowledge of this collection account and never received any validation notice from this collector as required under the FDCPA 809 ( a ). I demand immediate removal unless complete validation ( original creditor name, contract, payment history ) is provided. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$420.00} | Collection I have no recollection or record of this debt. This account was never authorized or verified, and no documentation was provided upon request. This is a clear violation of FCRA 611 ( a ) and FDCPA 807 ( 8 ). Immediate deletion is requested. 
Inquiries XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquiry on XX/XX/XXXX These inquiries were conducted without my authorization or permissible purpose as required under FCRA These repeated reporting errors and unverified negative accounts are clear violations of my consumer rights under federal law. I am requesting that the CFPB initiate a full investigation into each furnisher and reporting agency involved. Each must be required to provide full documentation verifying the accounts, or the items must be permanently removed from my credit report. 
These false entries are causing severe financial hardship, including higher interest rates, denial of credit, and emotional distress. I am asking the CFPB to enforce strict compliance with the FCRA, FDCPA, and any other applicable consumer protection laws.

Requested Action : 1. Conduct a full CFPB investigation into all furnishers listed above.

2. Require the deletion of any unverifiable, inaccurate, or unauthorized accounts and inquiries.

3. Ensure that my credit file is fully corrected and updated with accurate information.

4. Hold all non-compliant furnishers accountable for violating the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief