Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 
XXXX XXXXXXXX XXXX XXXX  Late Payment * * Law : FCRA 611, 607 ( b ), 602 ( B ) Issue : Late payment is inaccurately reported Story : I dispute this late payment as I was not delinquent as reported. I request full investigation into the accuracy and if proper verification can not be produced, it must be removed immediately from my report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Chargeoff * * Law : FDCPA 809 ( b ), FCRA 611, 607 ( b ) Issue : Third-party debt collector listing a chargeoff without validation Story : This account is not mine and no proper validation was provided. Reporting this without complete documentation is a violation of my rights. I request removal. 

XXXX XXXX XXXX XXXX XXXX  Chargeoff * * Law : FCRA 611, 607 ( b ) Issue : Inaccurate reporting of charged-off balance Story : I dispute the accuracy of this chargeoff. The balance and status do not reflect my payment history. Please verify with original creditor or remove from my file. 

XXXX XXXX XXXX XXXX  Chargeoff * * Law : FCRA 611, 607 ( b ) Issue : Duplicate or inaccurate chargeoff Story : This entry appears duplicative and inaccurate. I do not recognize this account, and I request a reinvestigation and immediate removal due to lack of verifiable documentation. 

XXXX XXXX XXXXXXXX XXXX XXXX  Late Payment * * Law : FCRA 611 Issue : Late payment not supported by records Story : I made payments on time and this late mark is inaccurate. Please remove after proper reinvestigation and validation by original furnisher. 

XXXX XXXX XXXX XXXX XXXX  Chargeoff * * Law : FCRA 611 Issue : Small balance reported as chargeoff incorrectly Story : This accounts balance and chargeoff status are inconsistent. I request validation or immediate deletion from my file. 

XXXX XXXX XX/XX/year> Inquiry Law : FCRA 604 Issue : No authorization or application exists for this credit pull Story : This hard inquiry is unfamiliar to me. I did not initiate it, and I demand its immediate removal from my credit file.

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

Company response to consumer: Closed with non-monetary relief