Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) to dispute several inaccurate or unverifiable negative items listed on my credit report. Many of these entries contain incomplete, outdated, or inaccurate information, and their continued reporting is causing undue harm to my financial and personal wellbeing.

1. XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$220000.00} Issue : FCRA Violation Late payment reported inaccurately without proper verification. 
Action Requested : Investigate and delete if late payment can not be fully verified with complete documentation. 
2. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2400.00} Issue : FCRA Violation Reporting of late payments with no documentation provided to me upon request.

Action Requested : Remove negative payment history if not 100 % verifiable.

3. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2200.00} Issue : FCRA Violation Inconsistent reporting and duplicate listing with another XXXX XXXXXXXX account. 
Action Requested : Reinvestigate and remove all inaccurate or duplicative negative entries. 
4. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3800.00} Issue : FCRA Violation Late payment possibly reported outside of the actual delinquency period.

Action Requested : Validate all reporting dates ; remove negative marks if unverifiable. 
5. XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3200.00} Issue : FCRA Violation Late payment reported during a period of verified financial hardship.

Action Requested : If XXXX XXXX XXXX can not prove the accuracy of these dates, delete the negative payment history. 
6. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2200.00} Issue : FCRA Violation Duplicate account possibly reported multiple times, violating FCRA 607 ( b ).

Action Requested : Remove duplicative or erroneous entries that inflate perceived delinquency. 
7. XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$32000.00} Issue : FCRA Violation Late payment listed without context of deferment periods or student loan protections. 
Action Requested : Provide proof of delinquency dates and payment history accuracy or delete derogatory marks. 
8. XXXX XXXX XXXX  Inquiry on XX/XX/XXXX Issue : FCRA Violation Inquiry conducted without my clear, written consent.

Action Requested : Remove inquiry unless permissible purpose under FCRA 604 ( a ) is confirmed. 
9. XXXX Inquiry on XX/XX/XXXX Issue : FCRA Violation No memory or approval of this hard inquiry. 
Action Requested : Remove if not initiated with my explicit authorization.

10. XXXX XXXX on XX/XX/XXXX Issue : FCRA Violation Possibly unauthorized inquiry.

Action Requested : Remove unless proper purpose and proof of consent is provided.

Under the Fair Credit Reporting Act, you are legally obligated to : FCRA 607 ( b ) : Ensure all information reported is accurate and complete FCRA 611 : I
nvestigate disputes within 30 days and remove unverifiable items FCRA 623 : Require furnishers to only report complete and correct data FCRA 604 ( a ) : Ensure inquiries are made only with consumer consent or legal authority Failure to comply may result in formal complaints with the CFPB, FTC, and Attorney General, as well as civil legal action under FCRA 616 and 617. 
The continuation of these negative marksespecially the inaccurate late payments and excessive inquirieshas affected not only my credit score but also my ability to secure stable housing and better employment. Ive experienced significant hardship, including medical expenses and income loss, during which I tried my best to stay afloat. I am not denying responsibility, but I am seeking fairness, accuracy, and a second chance to move forward with dignity.

Ive worked hard to recover financially. Im asking for your cooperation to ensure my credit report reflects only accurate, verified informationnothing more, nothing less.

1. A full reinvestigation of the items listed above 2. Deletion of all unverifiable, duplicate, or inaccurately reported entries 3. A written response with investigation results and updated report within 30 days Thank you for your time, your compliance with federal law, and for giving this request the fair and urgent attention it deserves.

Company response to consumer: Closed with non-monetary relief