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 : {$610.00} Late Payment Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate. 
Issue : Late payment being reported is inaccurate and unverifiable. 
Story : I have maintained consistent payment history on this account. The reported late payment is either a reporting system error or based on incorrect data. This false late payment is lowering my credit score and misrepresenting my creditworthiness to potential lenders. Unless you can provide the original signed agreement and full payment history directly from the original creditor showing this alleged delinquency, this item must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Late Payment * * Law : FCRA 611 ( a ) ( 5 ) If disputed information is found inaccurate, the bureau must promptly delete or correct it. 
Issue : Late payment reporting is not backed by verified payment history. 
XXXX : The reporting of a late payment on this account is harming my ability to qualify for favorable credit terms. This is especially damaging as this account is related to my education and should be accurately reported. No documentation proving the alleged delinquency has been provided in prior disputes, meaning it remains unverifiable. 

ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * Law : FCRA 623 ( b ) Information must be updated and corrected upon notice of dispute. 
Issue : The reported late payments are inaccurate and unsupported. 
Story : This late payment entry is causing ongoing harm to my credit profile. In my prior dispute, the bureau did not provide the method of verification or evidence from the furnisher. Without verified documentation, this account should be removed to prevent continued misrepresentation of my credit history. 

ACCOUNT XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Late Payment * * Law : FCRA 611 All disputed items must be verified or removed. 
Issue : The late payment entry is false and misleading. 
Story : This entry is negatively impacting my financial credibility and blocking me from accessing better interest rates. It is either a clerical error or misapplied payment reporting. If the original creditor can not produce exact proof of late payment, it must be deleted. 

ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * Law : FCRA 623 ( a ) ( 1 ) ( B ) Furnishers must correct and update information they determine is not complete or accurate. 
Issue : Inaccurate late payment reporting. 
Story : This late payment notation has no legitimate proof backing it up. It may be the result of incorrect loan servicing records. This false reporting has already affected my loan application process. This should be removed immediately if not fully verified. 

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