Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am submitting this complaint because my credit report contains several inaccurate, unverified, and unauthorized items. I previously requested verification from each furnisher, but none provided valid documents as required under the Fair Credit Reporting Act ( FCRA ). These errors are damaging my credit profile, and I need CFPB intervention. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Late Payment The reporting of late payments on this account is inaccurate. In my prior disputes I repeatedly requested the underlying original payment records as required under FCRA 1681i ( a ) ( 1 ), yet no legally sufficient verification has been provided. The reinvestigation response did not include any actual documentation from the furnisher, which means the agency relied solely on automated confirmation, violating the duty for a reasonable reinvestigation. Because no original ledger or contractual record has ever been shown, this information is unverified and must be deleted from my consumer file under FCRA 1681i ( a ) ( 5 ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account continues to appear with late payment history even though previous requests for validation were ignored. Under FCRA 1681e ( b ), a CRA must ensure accuracy, yet the reinvestigation produced no factual proof such as statements, timestamps, or payment metadata. Reporting negative history on a paid-off account without proper evidence is unlawful and materially misleading. Because XXXX XXXX did not provide original documents proving any delinquency, this tradeline must be removed under 1681i ( a ) ( 5 ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The reported delinquency on this closed and settled account is inconsistent with my payment history. During my earlier disputes I demanded the original billing statements and transaction logs, but no such evidence has ever been produced. Continuing to report adverse history without documentation violates 1681e ( b ) and demonstrates a negligent reinvestigation under 1681i ( a ). Because the data can not be factually substantiated, this information must be removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} This account continues to reflect negative information that has never been properly verified, despite my earlier disputes. I specifically requested the original billing records, payment history, contract, and any documentation proving the accuracy of the reported balance and alleged delinquency. Under 15 U.S.C. 1681i ( a ), you are required to obtain actual source documentation from the furnisher, not rely on automated system confirmations. No authentic proof has been produced to demonstrate that the reported balance or payment history is accurate. 

I request that the CFPB investigate all furnishers listed above and require removal of every inaccurate, unverified, and unauthorized item from my credit report. I appreciate swift action and a complete resolution of these issues.

Company response to consumer: Closed with non-monetary relief