Consumer complaint received 2025-08-15 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 formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Late Payment XXXX XXXX Law : FCRA Section 602 ( A ), Section 607 ( B ), and Section 611 require accurate, verifiable, and complete reporting. The furnisher must provide documented proof of alleged late payments. 
Issue : The reported late payments are inaccurate and unverified, negatively affecting my credit score without proper evidence. 
Story : I have reviewed my records and found no legitimate basis for the reported late payments. The creditor has failed to provide any signed contract, payment history, or original records proving the accuracy of the derogatory marks. Without proper documentation, this accounts late payment status must be removed immediately as it is damaging my credit profile. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late Payment XXXX XXXX Law : FCRA Section 602 ( A ), Section 607 ( B ), and Section 611 require credit bureaus to report only accurate and verifiable information.

Issue : The late payments reported are inaccurate and can not be validated through original signed documentation. 
XXXX : This account has been maintained responsibly and I have no records supporting the existence of any late payment on the dates alleged. The absence of verifiable evidence from the furnisher or bureau makes this reporting erroneous. It must be deleted to ensure compliance with the law. 

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

Company response to consumer: Closed with explanation