Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
I am filing this complaint against Equifax for their continued failure to accurately report and investigate multiple incorrect and damaging entries on my credit report. Despite numerous disputes and formal requests in accordance with the Fair Credit Reporting Act ( FCRA ), Equifax has failed to correct or remove inaccurate, incomplete, and unverifiable information. The following accounts are being reported with serious inaccuracies, resulting in significant harm to my creditworthiness, emotional distress, and financial standing. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Late Payment * * Issue : This account is reporting multiple late payments which I have disputed due to errors in payment application and misreporting of timely payments. Equifax failed to provide validation or proper reinvestigation.

Law Violated : FCRA 611 ( 15 U.S. Code 1681i ) Failure to conduct reasonable reinvestigation. FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 
Narrative : I made multiple on-time payments that were not reflected accurately in the reporting of this account. I requested a full investigation, but Equifax merely " verified '' the data without evidence or a thorough review. I believe this is a negligent and harmful act that violates my rights under FCRA. 
XXXX  XXXX  Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$1400.00} Charge Off * * Issue : This account is listed as a charge-off with an outstanding balance that I have disputed. No documentation has been provided by Equifax to substantiate this derogatory entry.

Law Violated : FCRA 611 and 607 ( b ) Failure to validate and failure to ensure accurate reporting. 
Narrative : The account was paid off through a negotiated settlement, yet Equifax continues to report it as charged-off with a balance owed, which is both inaccurate and misleading. This has severely damaged my credit score and denied me fair access to credit. 
XXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : This account reflects a charge-off with a {$0.00} balance, yet still negatively impacts my report. Reporting a zero-balance charge-off is misleading if the account has been resolved. 
Law Violated : FCRA 605 ( b ) Unfair retention of negative resolved accounts. FCRA 607 ( b ) Failure to assure maximum accuracy. 
Narrative : This account was closed and resolved over XXXX years ago, but the continued derogatory status of " charge off '' is misleading and unfairly penalizing my credit profile. XXXX refusal to update or remove the status misrepresents my current financial obligations. 
XXXX XXXX Acct : XXXX XXXX XXXX   Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Issue : This account is reporting a late payment despite being paid off and closed. I have submitted proof that the account was never late.

Law Violated : FCRA 611 Failure to investigate disputed information. FCRA 623 ( b ) Furnishers duty to correct and update information.

Narrative : I never missed a payment on this account. The " late payment '' being reported is completely inaccurate. I requested correction and submitted documentation, but Equifax failed to correct the error or provide proof of delinquency. This false late mark has lowered my score unjustly and impacted financial opportunities. 
Conclusion & Demand for Relief : These reporting errors show a consistent pattern of Equifaxs failure to comply with the Fair Credit Reporting Act, particularly its duty to ensure maximum accuracy, timely correction of disputed data, and thorough reinvestigation of challenged items. I am requesting that the CFPB compel Equifax to : Remove or correct all inaccurate, unverifiable, and outdated information Provide documentation verifying each disputed account Ensure compliance with FCRA for all future disputes and investigations Provide a written confirmation of resolution and updated report These reporting errors are causing me significant harm, and I respectfully ask for swift enforcement action to ensure my rights are protected under federal law.

Company response to consumer: Closed with non-monetary relief