Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
ACCOUNT DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$8800.00} Late Payment Law/Issue : FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611 inaccurate reporting, lack of verification, reporting outdated late payments beyond allowed period Story : This account is reporting late payments that are not accurate or properly verified. I have never received proper validation documents from the furnisher. Reporting of lates this far back is misleading and harmful. Please conduct a reinvestigation and delete this item if it can not be verified with proper documentation. 

ACCOUNT DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$4600.00} Late Payment Law/Issue : FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611 reporting unverifiable late history, inaccurate balance, outdated negative information Story : This account is duplicated under a different balance which causes confusion and inaccurate reporting. The furnisher has failed to prove the accuracy of the history. This duplication creates damage to my credit profile. I demand deletion or correction under FCRA. 

ACCOUNT XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$22000.00} Late Payment Law/Issue : FCRA 607 ( B ), 609 ( A ), 611 unverifiable lates, misleading reporting Story : This account is showing late payments that I do not agree with. No validation has been provided to prove accuracy of these reports. Reporting such information without proper investigation is damaging and unlawful. Please delete or correct immediately. 

ACCOUNT XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4300.00} Chargeoff Law/Issue : FCRA 602 ( A ), 607 ( B ), FDCPA 807 chargeoff reported inaccurately, failure to provide proof of balance, misleading status Story : This account is marked as chargeoff without proper proof or accounting of balance. XXXX XXXX has failed to validate this debt and continues reporting negative information which violates FCRA. Please remove this account if not fully verified. 

ACCOUNT XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Chargeoff Law/Issue : FCRA 607 ( B ), 609 ( A ), 611 reporting XXXX balance but still showing chargeoff, misleading and inaccurate Story : A balance of {$0.00} can not legally remain in chargeoff status. This reporting is contradictory and misleading. The furnisher has not provided lawful proof. This item must be deleted immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00} Chargeoff Law/Issue : FCRA 607 ( B ), FDCPA 807 inaccurate chargeoff reporting, unverifiable balance Story : The amount and chargeoff status can not be verified by the furnisher. Continued reporting of unverifiable chargeoff damages my creditworthiness. I request deletion under FCRA. 

ACCOUNT XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Late Payment Law/Issue : FCRA 607 ( B ), 609 ( A ) inaccurate reporting, account paid yet showing late payment history Story : A paid account with a {$0.00} balance should not continue to report late payments as this is misleading and inaccurate. Please investigate and remove the negative history. 

ACCOUNT XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$21000.00} Chargeoff Law/Issue : FCRA 602 ( A ), 607 ( B ), FDCPA 807 unverifiable chargeoff, inaccurate reporting of balance Story : XXXX XXXX has failed to validate the alleged balance or provide proof of ownership of this account. Without proof, this reporting is unlawful. Please delete or correct. 

ACCOUNT XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} Late Payment Law/Issue : FCRA 607 ( B ), 609 ( A ) reporting inaccurate lates on a paid account with no balance Story : An account that is closed and paid with {$0.00} balance should not be reporting negative history. This is misleading and harmful. Please reinvestigate and delete negative marks. 

ACCOUNT XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$39000.00} Chargeoff Law/Issue : FCRA 602 ( A ), 607 ( B ), FDCPA 807 unverifiable balance, inaccurate chargeoff Story : The alleged balance and chargeoff status can not be validated by XXXX. The reporting is harmful and unlawful. Delete this account if not fully verified. 

ACCOUNT XXXX XXXX  XXXX Date opened XXXX XXXX, XXXX Balance {$3700.00} Chargeoff Law/Issue : FCRA 607 ( B ), FDCPA 807 inaccurate chargeoff, lack of proper validation Story : This account is reporting chargeoff without proper proof. The furnisher must provide full validation or the account must be removed. 

ACCOUNT XXXX XXXX  XXXX Date opened XXXX XXXX, XXXX Balance {$16000.00} Chargeoff Law/Issue : FCRA 602 ( A ), 607 ( B ), FDCPA 807 unverifiable reporting, inaccurate balance, harmful to consumer Story : The reported balance and chargeoff status are not supported by proof. Without proper validation, this account should not be reported. I request deletion. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00} Collection Law/Issue : FCRA 607 ( B ), 609 ( A ), FDCPA 807 unverifiable debt, inaccurate reporting as collection Story : This account is being reported as a collection but no validation has been provided to prove ownership or accuracy. Reporting unverifiable collections violates federal law. Please delete this item. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief