Consumer complaint received 2025-07-23 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 ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Charge-Off Issue : This charge-off is reported with a {$0.00} balance, suggesting settlement or closure, yet the derogatory status remains Law & Instruction : Under FCRA 607 ( B ) and 611, the bureau must ensure maximum possible accuracy and remove outdated or misleading items Story : This account was resolved and holds no balance, yet it is still marked negatively as a charge-off. This misrepresentation is unfair and causes unnecessary harm to my credit profile. It misleads lenders about my financial responsibility XXXX  Account # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Late Payment Issue : This account reports a late payment although the balance is {$0.00} and the account appears to be closed Law & Instruction : Pursuant to FCRA 611 and 609 ( a ) ( 1 ), please conduct a reinvestigation and provide verification of the late payment entry. If not verifiable, delete it Story : I dispute the accuracy of the late payment notation. The account was closed with no due balance, and any late payment record is incorrect. This erroneous reporting negatively impacts my payment history unfairly XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Late Payment Issue : The late payment reported on this long-closed account is inaccurate and outdated Law & Instruction : Under FCRA 605 ( a ) ( 5 ), negative information beyond seven years must be excluded unless legally required otherwise Story : This account was resolved years ago, and any late payment reference now is obsolete and unfairly prejudicial. It is improper to penalize me for events that occurred more than seven years ago on a zero-balance account XXXX  Inquiry Date : XX/XX/XXXX Hard Inquiry Issue : This appears to be a duplicate of the previous inquiry on the same date, possibly due to system error or improper pull Law & Instruction : FCRA 607 and 611 provide for the correction or removal of duplicated or inaccurate information in a consumers file Story : Multiple entries for the same inquiry date are misleading and damaging to my score. I did not approve multiple inquiries and request immediate deletion of the duplicate record I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

Company response to consumer: Closed with non-monetary relief