Consumer complaint received 2025-09-05 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: PA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because multiple accounts and records on my credit file are being reported inaccurately and unlawfully, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the Consumer Financial Protection Act ( CFPA ). These errors have caused me significant harm, including damage to my creditworthiness, denial of opportunities, and XXXX XXXX 

The FCRA requires consumer reporting agencies and furnishers to report only accurate, verifiable, and complete information. It also requires correction or deletion of any unverifiable or inaccurate data. The FDCPA further prohibits collection or reporting of debts through deceptive, misleading, or unfair practices. 

Despite these legal protections, the following items remain improperly reported : Wrong Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX This is not my residence and should not appear on my credit file. Reporting inaccurate personal information violates FCRA 1681e ( b ). 

XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Reporting : Late Payment. 

Reporting a late payment on an account with a {$0.00} balance is contradictory and misleading. This appears to be an error or unverifiable entry in violation of FCRA 1681s-2. 

XXXXDOFED Accounts Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These show High Credit : {$0.00} but still report Late Payment. It is not possible to be delinquent on a {$0.00} balance. These are inaccurate, unverifiable, and harmful. 

XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$14000.00}, Reporting : Late Payment. 

The creditor has failed to provide proper validation and continues reporting negative marks in violation of FDCPA 809 ( b ) and FCRA 1681i. 

XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Credit : {$470.00}, Reporting : Collection. 

No proper validation of this debt has been provided. Continuing to report without verification is unlawful. 

XXXX XXXX Inquiry Date : XX/XX/XXXX. 

This was a hard inquiry made without my full authorization or permissible purpose under FCRA 1681b. It should be removed immediately.

Legal Basis for My Complaint : FCRA 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy.

FCRA 1681i : Mandates reinvestigation and deletion of unverifiable information.

FCRA 1681s-2 : Prohibits furnishers from reporting information they know or should know is inaccurate.

FDCPA 809 ( b ) : Requires validation of debts before reporting/collecting.

CFPA, 12 U.S.C. 5531, 5536 : Prohibits unfair, deceptive, or abusive acts or practices.

Requested Action : I demand that the CFPB require the immediate correction or deletion of all the above inaccurate, misleading, and unverifiable information. These errors are unlawful, harmful, and must be resolved to restore the integrity of my consumer report.

Company response to consumer: Closed with explanation