Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law.Disputed Account # XXXX : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA 1681s-2 Reporting of inaccurate or incomplete information Story : This account has a reported late payment even though the balance is listed as {$0.00}. I dispute this as I had no outstanding balance or payment obligation during the time of the alleged delinquency. Please provide a full method of verification or delete this information as required by law. 
Disputed Account # XXXX : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Chargeoff * * Law Issue : FCRA 1681i ( a ) Duty to reinvestigate disputed information Story : I never received accurate or timely billing notices or validation of this debt, yet the account was hastily charged off. I dispute the charge-off classification and demand a full reinvestigation. The creditor failed to notify me per the requirements of the FCRA and may have violated the FDCPA as well. 
Disputed Account # XXXX : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Late Payment * * Law Issue : FCRA 1681s-2 ( a ) Furnishers responsibility to report accurately Story : I formally dispute the late payment history associated with this account. During the alleged period of lateness, I was under a deferment arrangement due to financial hardship, and the creditor assured me it would not negatively impact my credit. This late payment is misleading and harmful. 
Disputed Account # XXXX : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Chargeoff * * Law Issue : FCRA 1681i ( a ) ( 5 ) Failure to remove unverifiable information Story : This charge-off is being reported without adequate supporting documentation. I have not received proper validation from the furnisher. Without verifiable proof of the debt and the charge-off classification, this entry must be removed from my credit report as it is damaging and noncompliant with federal law. 

Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief