Consumer complaint received 2025-10-10 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unauthorized inquiries, and misreported accounts on my credit reports. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and other federal laws, have caused financial harm, and continue to negatively impact my creditworthiness. I request that CFPB take action to ensure these issues are fully investigated and corrected promptly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Charge Off * * This account is inaccurately reported as charged off despite lack of proper verification. Under FCRA 611 ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ), you are required to verify the accuracy of this account. Prior reinvestigations failed to provide any documentation validating the charge-off. Reporting unverifiable information harms my credit and violates federal law. No contract, billing statements, or verification letters have been furnished. Continued reporting is negligent and misleading. It creates a false perception of delinquency and negatively impacts my credit score. The accounts inclusion may affect interest rates and credit approvals. Failure to remove this account is a violation of my rights under 607 ( b ). The reporting of this account can cause financial institutions to deny or restrict my access to credit. This account must be removed immediately with written confirmation. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Late Payment * * The late payment reported is inaccurate. The creditor has failed to validate the alleged missed payment, violating FCRA 623 ( a ) ( 2 ) and 607 ( b ). Each previous dispute has been ignored. Reporting unverified late payments affects creditworthiness, misleads lenders, and causes direct financial harm. This false late payment could impact my ability to obtain financing for essential needs. It can lead to higher interest rates and denial of services. No written proof or account statements were provided. It misrepresents my payment history and breaches 611 ( a ) obligations. This entry causes undue stress and damages my financial reputation. I demand permanent deletion and written confirmation of correction. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * This account reflects a {$0.00} balance yet is marked as charged off. Reporting contradictory information violates FCRA 602 ( A ) and 1681i ( a ) ( 5 ). The presence of this inaccurate charge-off misrepresents my credit history. It may mislead lenders, reduce my credit score, and negatively affect my financial opportunities. Failure to remove this inaccurate entry demonstrates noncompliance with 607 ( b ). This accounts reporting is a direct violation of the bureaus duty to maintain accurate files. It could trigger wrongful collections or credit denials. The reporting harms my ability to obtain new credit or secure loans. I request immediate deletion and written confirmation of correction.

I am requesting CFPB intervention to ensure that all disputed addresses, accounts, and inquiries are fully investigated and corrected in compliance with federal law. The inaccuracies and unauthorized actions reported here have caused financial harm, emotional distress, and unfair limitations on my credit opportunities. I expect that the CFPB will hold the credit bureaus accountable, enforce my rights under the FCRA, and ensure that my credit reports are accurate and fair.

Company response to consumer: Closed with explanation