Consumer complaint received 2025-08-05 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:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ACCOUNT : XXXX XXXX XXXX XXXX  | High Balance : {$430000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Law : Under FCRA Section 611 [ 15 U.S.C. 1681i ], consumers have the right to dispute incomplete or inaccurate information and have it removed or corrected after reinvestigation.

Issue : This account is reporting late payments inaccurately.

Story : I previously disputed this item but received no supporting documentation confirming the validity of the late payments. No billing statements, payment history, or contractual terms were provided. If this can not be verified with sufficient evidence, it must be deleted immediately as unverified. 

ACCOUNT : XXXX XXXX XXXX  | High Balance : {$3900.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Law : Per FCRA 623 ( a ) ( 5 ), furnishers must report accounts with accuracy and integrity.

Issue : This charge-off is inaccurate and unverifiable.

Story : I requested supporting documentation, including signed contract and payment breakdown, and did not receive anything. This account must be removed if verification can not be fully provided per federal guidelines. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX  | High Balance : {$1400.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Law : FCRA Section 602 ( A ) affirms the importance of accurate credit reporting to maintain public confidence.

Issue : This charge-off is outdated and unverifiable.

Story : No contract, billing history, or charge-off notice has been provided in response to my first dispute. This is a violation of FCRAs accuracy requirements. Please delete this account from my file. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX | High Balance : {$7100.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Law : FCRA Section 611 and 623 mandate that all reported information be verifiable and accurate.

Issue : Late payments listed on this account are incorrect.

Story : I never received notices of delinquency, and my previous request for verification was ignored. No legitimate proof has been given that these payments were late. Please remove this inaccurate entry. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX  | High Balance : {$29000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Law : FCRA 15 U.S.C. 1681s-2 requires accurate and complete reporting by data furnishers.

Issue : Late payment reporting is inaccurate and unsubstantiated.

Story : I never received proof of missed payments or related notices. This item remains unverifiable, and I request immediate deletion as required by law. 

ACCOUNT : XXXX XXXX XXXXXXXX XXXX | High Balance : {$21000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Law : FCRA Section 611 gives consumers the right to dispute and seek correction of inaccurate information.

Issue : Late payment history on this account is incorrect.

Story : I have asked for payment records and validation but nothing has been provided. Reporting late payments without proper documentation violates my rights under the FCRA. I request that this be deleted immediately. 

ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | High Balance : {$27000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Law : Under FCRA 623 ( b ), furnishers must reinvestigate and respond with evidence during a dispute.

Issue : This charge-off is inaccurate and was not validated.

Story : I never received a statement of charge-off, any collection notices, or documentation proving delinquency. This reporting is unverifiable and must be removed.

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

Company response to consumer: Closed with non-monetary relief