Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am filing this complaint to report multiple serious inaccuracies and unauthorized activities reported on my credit file by [ Credit Bureau Name ] that are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). These violations have caused severe damage to my creditworthiness and personal reputation. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$240.00} Late Payment * * Issue : This account is reporting late payments inaccurately. I dispute both the alleged delinquencies and the manner in which they are reported.

Law : Under FCRA 607 ( b ), you must follow reasonable procedures to assure maximum possible accuracy, and under 611, any unverifiable account must be deleted.

Story : I have records indicating payments were made timely or that no contractual obligation existed for the reported months. Without verifiable proof from the original creditorcomplete with signed agreements and payment historyyou must delete this account immediately. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$720.00} Late Payment * * Issue : This late payment record is false and harmful. 
Law : FCRA 611 ( a ) ( 1 ) ( A ) mandates reinvestigation with proper documentation.

Story : I have never received any verified notice of delinquency from this creditor. Reporting a late payment without proof violates both the FCRA and FDCPA 807 ( 8 ) which prohibits communicating false credit information. I demand this be deleted unless complete documentation is provided. 
XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2500.00} Late Payment * * Issue : Inaccurate late payment reporting. 
Law : Same as aboveFCRA 607 ( b ), 611, and FDCPA 807 ( 8 ).

Story : My records show no missed payments. The reporting of delinquency is damaging my credit utilization ratio and overall score. This must be corrected or deleted immediately. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$5000.00} Late Payment * * Issue : False late payment history. 
Law : FCRA 611 and FDCPA 809 ( b ) give me the right to request verification of the debt before any collection or reporting activity. 
Story : This is either an error or a fraudulent account. I have no recollection of opening such account and demand full deletion unless the original signed contract and complete payment history are produced. 
XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : Same as above. 
Story : I have no account with XXXX XXXX corresponding to this inquiry date. Delete this immediately. 
Legal Demands and Consequences : Under FCRA 611, you have 30 days from receipt of this complaint to reinvestigate and correct or delete all inaccurate information. I require documentation proving the legitimacy of each disputed account and inquiry or removal of the disputed information. Failure to comply will lead me to pursue enforcement through the CFPB, my state Attorney General, and private legal action under FCRA XXXX seeking statutory damages, actual damages, and attorneys fees. 
I expect written confirmation of your actions in response to this complaint and that you update my credit file accordingly without delay. 
Thank you for your prompt attention to these serious violations.

Company response to consumer: Closed with non-monetary relief