Consumer complaint received 2025-08-16 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:
Dear CFPB, I am filing this formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate and unverifiable information on my credit report. The information being reported is causing significant financial and emotional harm, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). The following are the disputed items that I request CFPB to review and enforce corrective action on : XXXX XXXX XXXX XXXX Late Payment. 
Issue : This account is reporting late payments that are inaccurate and misleading. I dispute the late payment history being reported. 
Law : Under FCRA 609 and 611, I have the right to request full verification and proof of this account, including account statements, payment history, and signed original agreements that demonstrate I am responsible for the alleged delinquencies. Without proper documentation, this information can not be reported. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) requires that debt information must be accurate and fully validated before it can be pursued or reported. 
XXXX : This account was opened on XX/XX/XXXX, with a high balance of only {$320.00}. Considering the short time frame and low balance, the reporting of late payments is both unreasonable and questionable. Many times, creditors fail to process payments on time, or their system errors cause delays that unfairly penalize consumers. It is unfair and harmful to be punished with a negative late payment history for something that may not even be my fault. I have consistently worked to maintain my accounts responsibly, and this inaccurate reporting has lowered my credit standing and caused financial stress. I demand full validation and removal of the inaccurate late payment history. 
XXXX XXXX  XXXX XXXX Late Payment. 
Issue : This account is reporting late payments that I dispute as inaccurate. 
Law : Under FCRA 607 ( b ) and 611, any late payment must be verified with complete records. A simple notation of late is not sufficient ; creditors must produce actual evidence showing the due date, the payment received date, and signed agreements proving that I agreed to the terms being claimed. Without such evidence, reporting negative information violates the law. 
XXXX : This account, opened on XX/XX/XXXX, with a high balance of only {$630.00}, shows late payments that do not reflect my actual payment history. I strongly believe that these reported lates stem from creditor reporting errors or delays in posting. Reporting such small balance accounts as delinquent paints a false and unfair image of me as a consumer. This damages my ability to access fair credit opportunities. I request deletion of the inaccurate payment history or removal of the entire account if it can not be properly verified. 
XXXX XXXX XXXX XXXX XXXX Late Payment. 
Issue : This account reflects late payments that I challenge as false and unverifiable. 
Law : As per FCRA 609 ( a ) ( 1 ) and 611, I am entitled to see all the documents and records used to verify this late payment history. If such records can not be produced, this reporting is unlawful. Additionally, inaccurate reporting of payment history is a violation of FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 
XXXX : This account was opened on XX/XX/XXXX, with a high credit of only {$500.00}. It is unfair and misleading to report such a small account with damaging late payments when the creditor has failed to provide proof of accuracy. I have always maintained diligence in my financial responsibilities, and any reporting that suggests otherwise is not reflective of my true payment behavior. Such reporting misrepresents my financial reliability and prevents me from being able to move forward with building a stronger financial future. I demand full validation or deletion of the late payment records. 
In summary, these accounts and false address entries are inaccurate, unverifiable, and reported in violation of the FCRA and FDCPA. They have caused me credit denials, higher interest rates, and severe emotional distress. I am requesting CFPB intervention to ensure : 1. Immediate investigation of all disputed items.

2. Permanent deletion of unverifiable or inaccurate addresses, accounts, late payments, collections, and inquiries.

3. Written proof of verification if the furnisher continues to report the information.

4. Enforcement of compliance against the furnishers and credit reporting agencies for violating federal law.

I trust CFPB will act to protect my rights as a consumer. Please ensure these violations are corrected immediately and that all responsible parties are held accountable.

Company response to consumer: Closed with non-monetary relief