Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA 611 and FCRA 623 ( a ) ( 1 ) Furnishers can not report inaccurate payment history Issue : Account shows late payments but balance is {$0.00} and reporting is inconsistent Story : The late payment notation is incorrect and damaging. I request deletion or correction to reflect accurate payment history XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$990.00} Late Payment Law : FCRA 611, FCRA 623 ( a ), and Fair Credit Billing Act Information must be verified and accurate Issue : This account reflects late payment reporting but has not been properly verified Story : I dispute the validity of these lates as they are inaccurate and unverified. Please reinvestigate and remove if no proof is provided XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$130.00} Late Payment Law : FCRA 611 and FCRA 607 ( b ) Inaccurate reporting must be corrected or removed Issue : Payment history is being reported inaccurately with late marks that are not mine Story : This reporting damages my credit score unfairly. I request deletion of the inaccurate late payment marks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$42.00} Late Payment Law : FCRA 611 and FCRA 623 ( a ) ( 1 ) Reporting must be accurate and verifiable Issue : This account shows late payments that are not supported with validation Story : I never missed payments on this account and the information is false. Please delete the lates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} Late Payment Law : FCRA 611 and FCRA 609 ( a ) Consumer has the right to request proof of reporting accuracy Issue : Late payment reporting is inconsistent and unverifiable Story : No records exist to validate these lates. I demand correction or deletion to ensure accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law : FCRA 611, FCRA 623 ( a ) ( 1 ), and FDCPA 807 Information must not be false or misleading Issue : This account is listed as a charge-off despite showing a {$0.00} balance Story : Reporting a charge-off with a XXXX balance is contradictory and misleading to lenders. This must be deleted for accuracy I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief