Consumer complaint received 2025-08-14 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 High Balance : {$440.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( b ) Information must be complete and accurate ; FCRA 611 ( a ) Right to dispute incomplete or inaccurate information ; FCRA 623 ( a ) ( 1 ) Furnishers must not report inaccurate information. 
Issue : This account is reporting a late payment that is inaccurate and unverifiable. 
Story : I have maintained timely payments and have no recollection of ever being late on this account. My records show payments were made before the due dates. This late payment reporting is harming my credit profile by falsely portraying me as financially irresponsible. I request deletion of the late payment history or complete removal of the account if it can not be verified with proper documentation from the original creditor. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law : FCRA 607 ( b ) Accuracy of information ; FCRA 611 ( a ) Right to dispute and reinvestigation ; FCRA 623 ( b ) Duty of furnisher to investigate disputed information. 
Issue : This account is listed as a charge-off even though the balance shows {$0.00}, which is contradictory and misleading.

Story : The reporting of a charge-off with a XXXX balance is inaccurate and suggests financial misconduct that did not occur. If the account was settled or paid, the status should reflect that accurately instead of showing a derogatory status. This inconsistent reporting is creating an unfair negative impact on my credit standing. I demand either correction to reflect a positive closure or full deletion of this account from my report if proper proof of charge-off can not be produced. 

INQUIRY XXXX  Date : XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Permissible purpose requirement for pulling a credit report ; FCRA 607 ( a ) Certification of permissible purposes. 
Issue : This hard inquiry was made without my authorization or a permissible purpose. 
Story : I did not apply for any credit, service, or product with XXXX on or around XX/XX/XXXX. This inquiry is unauthorized and constitutes a violation of my rights under the FCRA. Hard inquiries negatively impact my credit score and should only be recorded when I initiate a credit application. I request immediate removal of this inquiry from my credit report. 

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 non-monetary relief