Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am filing this formal complaint because I have been severely impacted by inaccurate, outdated, and misreported information that continues to be reflected on my Equifax credit report. Despite multiple attempts to resolve these matters directly with Equifax, the information remains unresolved, causing continued harm to my financial reputation and emotional well-being. 

One of the most pressing issues is the reporting of late payments by DEPTEDXXXX on two tradelines ( Account XXXX XXXX XXXX XXXX XXXX XXXX  ), both opened on XX/XX/XXXX, with reported high credit limits of {$6000.00} and {$3500.00}, respectively. These accounts reflect multiple late payments which are either inaccurate or unsupported by any validation. I have previously requested verification under my rights granted by the Fair Credit Reporting Act ( FCRA ) 611, which mandates reinvestigation of disputed data. Equifax failed to provide any proper investigation or documentation proving the accuracy of these alleged late payments. These false notations are lowering my creditworthiness unjustly. 

Additionally, there is a charge-off reported by XXXX XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXXXXXX * * ), opened on XX/XX/XXXXXXXX XXXX XXXX  with a balance of {$130.00}. This debt has either been paid or never belonged to me. I requested documentation verifying the debt and its ownership, but none has been provided. Reporting such an account without validation violates FCRA 609 ( a ) ( 1 ), which gives me the right to all information on my credit report, including the sources and dates of verification. The presence of this inaccurate charge-off is damaging my ability to apply for credit or loans. 

Furthermore, the collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$2400.00} XXXX XXXX, is another item that has not been verified. I have no record or recollection of owing any debt to this company. Under FCRA 623 ( b ), the furnisher must investigate and correct inaccurate information after being notified by a consumer. In this case, neither Equifax nor the collector has shown any proof that I owe this debt, nor have they proven that it was collected or serviced legally. 

On top of these issues, my credit file reflects numerous unauthorized or unverified inquiries that I did not initiate. These include hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others between XXXX and XXXX. I never authorized these companies to pull my credit. Under FCRA 604 ( a ) ( 3 ), a hard inquiry must be permissible and initiated by the consumer or with their explicit authorization. These inquiries are not only unauthorized but are reducing my credit score unfairly.

Despite my repeated efforts, Equifax has failed to perform a reasonable investigation as required under FCRA 611 ( a ). They have ignored the documentation I submitted, refused to provide adequate responses, and continued to report erroneous information. This has resulted in the denial of credit, higher interest rates, emotional stress, and damage to my reputation as a responsible borrower. 

I am seeking the CFPBs assistance in compelling Equifax to take immediate corrective action. I respectfully request the permanent deletion of the unverified or inaccurate tradelines and inquiries mentioned above. These items are unfairly damaging my credit profile and are in violation of my rights as outlined under the FCRA. 

Thank you for your attention to this matter. I am hopeful that with your help, these issues will finally be addressed and resolved in accordance with federal law.

Company response to consumer: Closed with non-monetary relief