Consumer complaint received 2025-10-09 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: WA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to dispute multiple inaccurate and fraudulent items on my credit report. These inaccuracies have caused financial harm, impaired my creditworthiness, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including sections 1681i ( a ) ( 1 ) for reinvestigation of disputed information, 1681e ( b ) for accuracy, and 1681g for consumer disclosures. Each item below is inaccurate, incomplete, or misleading, and I demand a full investigation and correction. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Late Payment This late payment is inaccurate and violates FCRA 1681i, which mandates proper verification of disputed items. I have previously provided documentation proving timely payments. Reporting this late payment without verification negatively impacts my creditworthiness, misleads potential lenders, and causes financial harm. XXXX XXXX has failed to provide evidence supporting this late payment. Continued reporting of this inaccurate information is unlawful. Under FCRA, I am entitled to deletion of unverifiable information. I request immediate removal or correction of this late payment. This reporting error falsely affects my credit score and misrepresents my payment history. I have provided statements and confirmations from XXXX XXXX that demonstrate compliance with payment terms. The continued presence of this inaccurate late payment constitutes a violation of federal law. I demand verification or deletion as required under FCRA. Proper investigation should include reviewing payment records, account statements, and communication logs. Misreporting this late payment affects my ability to secure future credit and may influence lenders decisions. Continued reporting also exposes the bureau to legal liability for failing to correct known inaccuracies. I request that this account be corrected or deleted immediately and confirmation provided in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account incorrectly shows a late payment, which is a violation of FCRA 611 ( a ) requiring proper investigation of disputed items. I have submitted evidence proving timely payments and compliance with account terms. Reporting an inaccurate late payment misrepresents my credit history and damages my financial credibility. XXXX has failed to provide verification supporting this late payment. Under FCRA 1681i, unverifiable or incorrect information must be removed from the credit report. Failure to correct this account continues to violate federal law. The bureau must investigate using statements, receipts, and official documentation to confirm the accuracy of reported information. Continued reporting of this inaccurate late payment misleads lenders and adversely impacts my financial opportunities. I request immediate deletion or correction of this account. Misreporting late payments is a breach of the FCRA and exposes the bureau to potential legal liability. Proper verification must include thorough review of account history and communication logs. I demand written confirmation once this account is corrected or deleted. Accurate reporting is essential to maintaining fair and lawful credit reporting standards. 

OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Late Payment This late payment is inaccurately reported, violating FCRA 1681i. I have provided evidence proving on-time payments and account compliance. Reporting inaccurate late payments misrepresents my credit history and damages financial reputation. Failure to verify constitutes unlawful reporting. The bureau must review original statements, payment logs, and confirmations. Misreporting harms credit score, lending eligibility, and financial opportunities. Duplicate or unverifiable reporting is prohibited under FCRA 611 ( a ). I request immediate deletion or correction. Continued reporting without verification is a violation of federal law. Proper investigation should include thorough review of account history and supporting documentation. I demand written confirmation once corrected. Misreporting false delinquencies continues to harm my financial profile. I request immediate correction or deletion under FCRA 1681i. 

Inquiry : XXXXXXXX XXXX Inquiry Unauthorized inquiry. I did not authorize XXXX to access my credit report. FCRA 604 ( a ) mandates deletion of all unauthorized inquiries. Reporting this inquiry misrepresents my credit activity and negatively affects my creditworthiness. Continued reporting violates federal law. The bureau must remove this inquiry immediately. I request written confirmation once deleted. Misrepresentation affects lending decisions. Immediate removal is required under FCRA protections. 

I demand that CFPB oversee the full reinvestigation of all disputed addresses and accounts, verify the accuracy of each item, remove any unverifiable or false information, and ensure that all reporting agencies comply with FCRA standards. These errors are affecting my ability to access credit fairly and misrepresent my financial history.

Company response to consumer: Closed with non-monetary relief