Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Reporting of late payments on an account with zero balance and closed status Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits reporting information known to be inaccurate Story : This account was fully paid and closed, yet late payments continue to show. This is misleading and highly damaging to my score. Reporting late payments on an account that has no balance and is no longer active is unjustified and deceptive. This could also indicate improper re-aging of negative items which is unlawful. I request all late payment notations be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Issue : Inaccurate charge-off reporting without proper validation or debt verification Law : FCRA 1681s-2 ( b ) and 1681i require complete investigation and proper verification of debt Story : This account is reporting a charge-off status and a balance, but I have never received a notice of charge-off, full itemization, or validation of this debt. It is causing major damage to my report and credit profile. If this debt can not be validated with original documents and charge-off notice, it must be deleted. Continued reporting without substantiation is unlawful XXXX XX/XX/XXXX Issue : Duplicate or related inquiry, also unauthorized Law : FCRA 1681b prohibits access without consumer initiation Story : This inquiry and the prior one from XXXX XXXX XXXX seem related and were not authorized. These unauthorized pulls are degrading my report and increasing the risk of identity mismanagement. I never applied for any service requiring this check. Remove immediately XXXX XX/XX/XXXX Issue : I did not apply with or authorize this company to check my credit Law : FCRA 1681b ( a ) states only authorized entities may view consumer credit reports Story : This inquiry is suspicious and I have no idea who XXXX is. I have not applied for any credit, loan, or financial service that would permit them to view my report. This must be removed as it was made without my consent or involvement Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

Company response to consumer: Closed with non-monetary relief