Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$570.00} Date Opened : XX/XX/XXXX Issue : Reported late payment is inaccurate. 
Law : FCRA Section 611 requires the credit bureau to conduct a proper reinvestigation.

Story : I have never been late on this account. This inaccurate reporting is damaging my creditworthiness. I demand proper investigation and removal if verification fails. 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$1900.00} Date Opened : XX/XX/XXXX Issue : Inaccurate late payment being reported. 
Law : Under FCRA Section 607 ( b ), all information must be verified and reported with maximum accuracy.

Story : I dispute this entry as I was never late on this account. This negative item is unjustly harming my profile. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Charged off account being reported incorrectly. 
Law : FCRA Section 611 ( a ) grants me the right to dispute inaccurate data.

Story : This account is not mine or has been paid off or settled. I request full documentation including signed agreement and payment history or full deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$720.00} Date Opened : XX/XX/XXXX Issue : False late payment appearing. 
Law : FCRA Section 611 allows me to demand proper reinvestigation.

Story : I was always on time for this account. This incorrect reporting is causing unjustified harm to my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$4800.00} Date Opened : XX/XX/XXXX Issue : Account reported as charge off, which is false. 
Law : FCRA Section 607 ( b ) demands complete accuracy.

Story : This charge-off is incorrect, possibly a duplicate or error from a third-party data furnisher. I request deletion or full documentation proving it belongs to me. 

XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry reporting on my file. 
Law : FCRA Section 604 mandates clear consumer consent.

Story : I did not initiate any application with this company. This inquiry is unauthorized and must be removed. 

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

Company response to consumer: Closed with non-monetary relief