Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate and unlawful items on my credit reports, which are severely affecting my creditworthiness. Despite multiple attempts to resolve these issues with the creditors and credit bureaus directly, the errors remain uncorrected. Therefore, I am escalating my concerns to the Consumer Financial Protection Bureau ( CFPB ) for investigation and enforcement action. 
Below is a detailed summary of the disputed accounts, the specific inaccuracies, and the applicable federal laws violated : 1. DEPT OF ED / XXXX Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balances : {$3500.00} and {$2000.00} Issue : Multiple Late Payments inaccurately reported Law Violated : o FCRA 1681i ( a ) Failure to conduct a reasonable investigation and correct inaccurate information upon dispute o FCRA 1681e ( b ) Reporting inaccurate and incomplete information Explanation : The late payments reported are inaccurate. I have made timely payments, and these late marks are causing unjust damage to my credit score. 
XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$14000.00} Issue : Inaccurate Late Payment reports and multiple Wrong Addresses reported on credit files, including : o XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX o XXXX Spring XXXX XXXX XXXX Spring, TX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Law Violated : o FCRA 1681i ( a ) Failure to investigate disputed inaccuracies o FCRA 1681e ( b ) Reporting inaccurate data o FCRA 1681c ( a ) Reporting outdated or incorrect personal information, specifically addresses o FDCPA 1692e False or misleading representations by debt collectors Explanation : The late payments reported by XXXX  XXXX XXXX are erroneous and unsupported by my payment history. Moreover, the multiple incorrect addresses associated with this account indicate failure to maintain accurate personal information, which constitutes a serious violation of my rights under federal law. The presence of false addresses also suggests potential identity confusion or inaccurate collection practices, which are prohibited. 
Legal Grounds and Requests : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report accurate, complete, and verifiable information. I dispute these inaccurate late payments and incorrect personal data, and demand they be removed or corrected immediately. 
Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use deceptive or unfair practices when attempting to collect a debt. Misreporting late payments and personal information is a violation of these provisions.

Failure to comply with these laws causes significant harm, including but not limited to denial of credit, increased interest rates, and emotional distress.

Actions Requested : 1. Immediately conduct a thorough investigation of the above disputes and remove or correct all inaccurate information on my credit reports related to these accounts.

2. Provide me with written confirmation that the disputed items have been corrected or removed.

3. Cease any further reporting of inaccurate information related to these accounts.

4. Notify all nationwide credit reporting agencies of these corrections. 
I am including copies of my credit reports highlighting the disputed items and any relevant documentation supporting my claims. 
Please understand that I take my rights under these federal laws very seriously and am prepared to escalate this matter legally if necessary, including filing complaints with the Federal Trade Commission and seeking legal counsel. 
Thank you for your immediate attention to these urgent matters. I expect a response within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief