Consumer complaint received 2025-10-16 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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains inaccurate, incomplete, and unverified information that has not been corrected despite multiple disputes. These errors have caused damage to my creditworthiness, created financial harm, and demonstrate noncompliance by the credit reporting agencies and furnishers with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request a full and immediate investigation and correction of all inaccurate items listed below. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$1200.00} Chargeoff : This account was inaccurately reported as a charge-off. I never received proper notice or verification of the alleged default as required by FCRA 609 ( a ) ( 1 ), which entitles me to dispute and verify all reporting. The reporting does not match my records, and I request validation and correction. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$0.00} Late Payment : This account reflects late payments that are inaccurate. I have always made timely payments or have documentation showing corrected dates. Reporting incorrect delinquencies violates FCRA 611 ( a ) regarding accurate reporting and reinvestigation. Please verify and correct all late payment entries. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$50.00} Chargeoff : This account was reported as charged-off prematurely and without proper notice or verification. FCRA 623 ( a ) ( 8 ) requires furnishers to provide accurate and complete information. I dispute this account and request full validation or deletion. 

XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance {$0.00} Chargeoff : The reported charge-off does not align with my payment history and violates FCRA 607 ( b ) and 623 ( a ) requiring accurate reporting. I request verification, and if unverified, immediate removal from my credit file. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$0.00} Chargeoff : Reporting this account as charged-off without proper documentation is a violation of FCRA 609 ( a ) and 611. My records show payments and status inconsistent with this reporting. I request reinvestigation and correction. 

DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/XXXX Balance {$3800.00} Late Payment These late payments are inaccurately reported. Under FCRA 611 ( a ), I am entitled to challenge any information that is incomplete or inaccurate. Please verify the account and remove erroneous late payment records. 

DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/XXXX Balance {$2300.00} Late Payment : Duplicate and inaccurate late payment reporting violates FCRA 611 ( a ) regarding completeness and accuracy. Verification is required, and unverified items must be deleted. 

XXXX  XXXX Open Date XX/XX/XXXX Balance {$0.00} Late Payment : This account shows late payments that do not reflect my records. FCRA 623 ( a ) ( 1 ) obligates furnishers to report accurate payment history. I request verification and correction. 

XXXX  XXXX Open Date XX/XX/XXXX Balance {$0.00} Late Payment : Duplicate reporting of late payments also violates FCRA 623 ( a ) ( 5 ). I dispute this item and request removal if verification can not be provided. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$5500.00} Collection : This collection is inaccurate and unverified, violating FCRA 609 ( a ) and 611 ( a ). I dispute its accuracy and request documentation, or removal if verification can not be supplied. 

XXXX XX/XX/XXXX Inquiry : I did not authorize this inquiry. FCRA 604 ( a ) ( 3 ) limits permissible inquiries to those with proper authorization. Please remove this unauthorized inquiry immediately. 

XXXX XX/XX/XXXX Inquiry : This inquiry was unauthorized and violates FCRA 604 ( a ) ( 3 ). I request deletion. 

XXXX XXXX XXXX XXXX XXXX Inquiry : I did not authorize this inquiry. Under FCRA 604 ( a ) ( 3 ), it must be removed from my credit file immediately.

The credit reporting agencies and furnishers have failed to maintain accurate records, verify disputed information, or provide lawful documentation, violating FCRA 602, 604, 607, 609, 611, and 623, as well as FDCPA 807. I request the CFPB to investigate these violations, ensure permanent deletion of all inaccurate information, and require written confirmation of all corrective actions taken.

Company response to consumer: Closed with non-monetary relief