Consumer complaint received 2025-09-11 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 to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} This account lists late payments that are not accurate and have never been properly verified despite multiple disputes. Under FCRA 1681i ( a ), you must reinvestigate and obtain documentation such as original payment history and contracts from the furnisher. If that proof can not be provided, this derogatory data must be deleted. Continued inaccurate reporting is harming my credit score, affecting my interest rates, and costing me real financial losses. The bureaus failure to correct this error after prior disputes shows reckless disregard for my rights. Remove these lates immediately or provide full verification with documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} The reported delinquencies are unverifiable and appear to be duplicated across multiple trade lines, which is misleading and unfair. Under FCRA 1681e ( b ), you must assure maximum possible accuracy. My previous disputes were either ignored or received a verified response without providing proof. This is insufficient under FCRA 1681i ( a ) ( 5 ) ( A ). Each month this negative item remains, my credit suffers unnecessary damage. I am demanding removal unless you can produce a signed contract and full payment history that proves these lates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} This account continues to report late payments even though the servicer has failed to validate them. Under FCRA 1681i, unverifiable information must be removed. This inaccurate reporting has caused denial of credit and job opportunities, which is a direct harm. Your bureaus responsibility is to protect consumers by ensuring only verified data is reported. I demand immediate deletion of these late payments or written proof from the furnisher within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} The negative information on this account has been challenged multiple times. Each time, the bureau has returned a generic verified response without providing supporting documentation. This is a violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which requires you to provide the method of verification. Because no proper validation has been supplied, these lates are considered unverified and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} This account is over a decade old and should no longer be reporting inaccurate late payment information. Continuing to display unverifiable data after multiple disputes is willful non-compliance under FCRA 616. The harm caused by this error has a direct effect on my ability to secure affordable housing, employment, and credit. I demand permanent deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} This account is still reporting late payments that are not supported by proof. Under FCRA and FDCPA, unverifiable negative data can not remain. I am formally requesting a reinvestigation and deletion if you can not produce a full accounting of the alleged delinquencies. 

XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$190.00} This charge-off is being reported without proper validation of debt under FDCPA 809 ( b ). No signed contract, account statement, or proof of ownership of the debt has been provided. Until such validation is received, this account can not be legally reported. Its continued presence violates both FDCPA and FCRA requirements. 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

Company response to consumer: Closed with non-monetary relief