Consumer complaint received 2025-10-29 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:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate reporting and unauthorized activity appearing on my credit file, which has resulted in harm to my credit reputation and violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The credit bureaus and furnishers have failed to ensure accuracy, proper reinvestigation, and lawful reporting practices. Please review the following accounts and inquiries carefully : XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * This account is reported as charged off despite showing a {$0.00} balance, which is contradictory and misleading. Reporting a charge-off with no balance owed is a violation of FCRA 607 ( b ) for accuracy and 611 ( a ) for proper verification. This false report continues to harm my creditworthiness and must be deleted immediately since no valid debt exists and no documentation has been provided verifying its legitimacy or ownership. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account is inaccurately reporting late payments even though the balance reflects {$0.00}, making the entry inconsistent and unverifiable. Continuing to report false delinquency with a closed or settled balance violates FCRA 607 ( b ) for completeness and accuracy. The bureau has failed to provide any valid proof from the furnisher validating such payment history ; therefore, this item must be permanently deleted under 611 and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account is aged beyond the reporting period allowed by the FCRA and continues to show late payments despite being closed and fully resolved years ago. Under FCRA 605 ( a ) ( 5 ), accounts with derogatory marks older than XXXX years are prohibited from reporting. No original creditor documentation has been provided to verify continued accuracy. The retention of this account constitutes willful noncompliance with FCRA 616 and 617, and I am requesting deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment * * The information reported by this furnisher is incomplete and unverifiable. I have never received any valid documentation confirming the alleged late payments, nor has the creditor demonstrated permissible purpose or validation of reporting under FCRA XXXX and XXXX ( a ). The inconsistent reporting dates and recent late notations show inaccuracy under XXXX ( b ). The continued reporting of this account without certified verification violates my consumer rights, and it must be removed immediately. 

These items were reported inaccurately and in violation of multiple provisions of the FCRA and FDCPA. I am requesting that the CFPB conduct a full investigation into these violations and require the credit bureaus and furnishers to remove or correct the false information immediately. These actions have caused significant harm to my financial standing and creditworthiness.

Company response to consumer: Closed with non-monetary relief