Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 ). I have discovered multiple inaccurate and unauthorized items being reported on my credit reports. These items include late payments and hard inquiries that were not authorized by me, and they are causing serious harm to my credit profile, financial opportunities, and overall reputation. I request a full investigation, verification, and deletion of all unverifiable or unauthorized items. 
XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$7600.00} | Issue : Late Payment Issue : The late payment reporting is inaccurate and unverifiable.Story : I have disputed these lates multiple times, yet no proper verification has been provided. This continued reporting is misleading to future creditors, portraying me as irresponsible when in fact the alleged delinquencies can not be substantiated. The inaccurate derogatory marks are blocking me from securing credit at fair rates and damaging my reputation as a consumer.Law : This violates FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information they knowor should knowis inaccurate. It also violates FCRA 611, which mandates that once disputed, the furnisher and credit bureau must conduct a reasonable investigation. The continued inaccurate reporting without validation is also an unfair practice under CFPA 1036 ( a ) ( 1 ) ( B ). 
XXXX XXXX XXXX Open Date : XXXX XXXX XXXX | High Balance : {$740.00} | Issue : Charge-Off Issue : This account is reporting a charge-off in a misleading and damaging way.Story : I dispute the accuracy and completeness of this charge-off. If the account was charged-off and then sold to a third-party debt collector, XXXX XXXX should not be continuing to report as though they still own the debt. This double-reporting practice is misleading to creditors and creates the false impression that I have more obligations than I actually do. Such reporting makes it extremely difficult to obtain new credit or rebuild financially.Law : This violates FCRA 602 ( A ) ( consumer reports must not be misleading ) and FCRA 623 ( b ) ( duty of furnishers to investigate disputes ). It also potentially violates FDCPA 807 ( 8 ) because the continued charge-off reporting may misrepresent the legal status of the debt. Willful continued reporting of an unverifiable charge-off constitutes a violation under FCRA 616 and exposes the furnisher to liability for damages.

Conclusion and Relief Requested The above late payments and unauthorized inquiries are inaccurate, incomplete, and unverifiable. They violate multiple provisions of the FCRA, FDCPA, and XXXX. These actions have caused me financial harm, reputational damage, and emotional distress. 
I demand that the CFPB : XXXX. Investigate each of these accounts and inquiries. 
XXXX. Require furnishers and credit reporting agencies to provide documented proof of accuracy and permissible purpose. 
XXXX. Immediately delete or correct all unverifiable late payments and unauthorized inquiries from my credit report. 
If these issues are not resolved, I will pursue additional remedies including filing complaints with the FTC, State Attorney Generals Office, and seeking private legal action under FCRA 616 & 617 for damages.

Company response to consumer: Closed with explanation