Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request a reinvestigation of the following inaccurate and unfair entries appearing on my credit report. Despite my previous dispute, the following items remain unresolved and continue to harm my credit profile. Please consider the details below and initiate a thorough reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 
________________________________________ LATE PAYMENT ACCOUNTS 1. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX | High Balance : {$2300.00} o Issue : This account is reporting late payments, but I have not received any notices or verified billing that support these derogatory marks. These lates may have been caused by billing cycle miscommunication or internal processing issues.

o FCRA Violation : FCRA 607 ( b ) Duty to maintain maximum possible accuracy.

o Action Requested : Please provide documented proof of each reported late payment or delete the inaccurate data. 
2. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX | High Balance : {$2100.00} o Issue : The reported late payments are not consistent with my account history. No statement or communication was received outlining these delinquencies. 
o FCRA Violation : FCRA 611 ( a ) Failure to correct disputed information. 
o Action Requested : Reinvestigate and remove unverifiable payment data. 
3. XXXX XXXX  XXXX # XXXX o Date Opened : XX/XX/XXXX | High Balance : {$1700.00} o Issue : This account shows multiple lates without valid notice or proof. I was not delinquent during the reported months. 
o FCRA Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnisher of inaccurate information.

o Action Requested : Remove the inaccurately reported late payments. 
4. XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXX | High Balance : {$2500.00} o Issue : Late payments are being reported even though I made payments within the grace period. 
o FCRA Violation : FCRA 609 ( a ) ( 1 ) Right to access complete and accurate data.

o Action Requested : Verify with billing records and remove late marks if unsubstantiated. 
5. XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX | High Balance : {$1500.00} o Issue : The late entries do not match my payment timeline or agreements. 
o FCRA Violation : FCRA 602 ( A ) ( 1 ) Consumer rights to fairness and accuracy. 
o Action Requested : Remove or correct the disputed payment history. 
6. XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX | High Balance : {$2100.00} o Issue : XXXX failed to notify or validate the late reporting. 
o Violation : FCRA 623 ( b ) Duty to investigate and respond to disputes.

o Action Requested : Delete or validate the reported late payments. 
7. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX | High Balance : {$630.00} o Issue : Late payments are listed for a brand-new account. This may be a reporting error.

o FCRA Violation : FCRA 607 ( b ) Accuracy obligation.

o Action Requested : Remove incorrect late marks. 
8. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXX & XX/XX/XXXX | High Balances : {$5300.00} & {$3400.00} o Issue : XXXX is reporting late entries that do not align with my records.

o Violation : FCRA 611 ( a ) Inadequate verification process.

o Action Requested : Conduct full reinvestigation or remove the derogatory entries.

________________________________________ UNAUTHORIZED/EXCESSIVE HARD INQUIRIES The following hard inquiries are appearing on my credit report without my knowledge, consent, or a clear permissible purpose under the Fair Credit Reporting Act ( FCRA ). I did not authorize these companies to access my credit file, nor was I in any form of credit transaction or application with many of them at the time of the inquiries.

According to FCRA 604 ( a ) ( 3 ), a hard inquiry may only be made when a consumer initiates a transaction involving credit, insurance, employment, or rental housing. Any access outside of these parameters is a violation of federal law. 
I am requesting an immediate investigation and removal of the following inquiries : Creditor/Institution Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize many of these inquiries. Additionally, multiple pulls by similar institutions suggest possible reporting duplication or predatory inquiry practices.

FCRA Violation : FCRA 604 ( a ) ( 3 ) Permissible purpose requirement for inquiries.

Action Requested : Remove all inquiries that can not be verified with permissible purpose and authorization.

________________________________________ FCRA Violations : FCRA 604 ( a ) ( 3 ) : Creditors must have a permissible purpose and consumer consent before accessing a credit file.

FCRA 607 ( a ) : Credit bureaus must ensure that only parties with a legitimate reason can access a consumer 's file.

FCRA 611 ( a ) : As a consumer, I have the right to dispute and request deletion of inaccurate or unverifiable information.

FINAL REQUEST In accordance with FCRA 611 ( a ), I request that you : Reinvestigate all disputed accounts and inquiries Provide me with written results and a free updated copy of my credit report Delete or correct all inaccurate, unverifiable, or unauthorized items Please note that failure to conduct a proper investigation may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief