Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am writing to file a formal complaint against several furnishers and/or credit reporting agencies for reporting inaccurate, incomplete, and unverifiable information on my credit file. Despite my efforts to resolve these issues directly, the false and damaging information remains. I am requesting your offices immediate investigation and enforcement action to ensure that these inaccuracies are corrected or deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below are the specific accounts and the issues associated with each : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | XXXX : {$8.00} ) * * This account is being reported with a late payment, which is entirely inaccurate. I have never made a late payment on this account. The payment history being reported is false and misleading, and I request that this record be corrected to show an accurate, on-time history immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | XXXX : {$0.00} ) * * This account is reported as a charge-off. I have no knowledge of this account and have never authorized or opened any such account with this creditor. I demand that this unverified and fraudulent entry be deleted immediately from my credit reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | Balance : {$390.00} ) * * This is another charge-off account reported by Capital XXXX. Once again, I have no knowledge or recollection of opening or maintaining any account with this information. This is a clear case of unverified reporting, and I request deletion of this account from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | Balance : {$16000.00} ) * * This account shows a late payment notation. This reporting is inaccurate and misleading, as I have never made a late payment to this creditor. The payment history being reported is false, and I am requesting that it be corrected to reflect an accurate on-time record. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX | XXXX : {$0.00} ) * * This account also lists a late payment that is completely inaccurate. I have always maintained timely payments, and this negative reporting is harming my credit standing. I am demanding a correction of the payment history to accurately reflect my positive payment record. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX | XXXX : {$0.00} ) * * This is another late payment notation that is false and unverifiable. I have never been late on this account, and therefore request that this information be corrected immediately. 

These inaccuracies are a direct violation of FCRA Sections 602 ( A ), 607 ( B ), and 611, which require furnishers and credit reporting agencies to maintain accurate and verifiable consumer data. The continued reporting of these false items is damaging my reputation, my creditworthiness, and my ability to access fair credit opportunities. 

I respectfully request that the CFPB investigate these matters promptly and compel the furnishers and credit bureaus to either verify the accuracy of each account with documented evidence or remove the disputed items entirely from all my credit reports. 

Please confirm receipt of this complaint and provide written confirmation of the investigation results. 

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation