Consumer complaint received 2025-07-08 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: OK

Complaint narrative:
I am submitting this complaint against Equifax for their repeated failure to ensure the accuracy, integrity, and completeness of the information they are reporting about me. Despite my previous disputes, they continue to report incorrect, outdated, and harmful information that violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and consumer protection laws. These inaccurate reports are damaging my credit score and affecting my ability to access housing, employment, and fair lending. I am demanding that Equifax investigate these matters thoroughly and remove all incorrect data immediately as required by law. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1700.00} Issue : Late Payment * * Equifax is reporting this account with late payments even though this is a student loan that was in deferment and/or forbearance during the reported delinquency dates. Late payments on federally supported student loans during approved deferment or forbearance violate FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. I previously requested reinvestigation and correction, but Equifax failed to perform a reasonable investigation under FCRA 611 ( a ). This inaccurate reporting is harming my creditworthiness.

Applicable Laws : FCRA 623 ( a ) ( 1 ) ( A ) Reporting of inaccurate information FCRA 611 ( a ) Failure to reinvestigate disputed information XXXX XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} Issue : Late Payment * * Equifax is also inaccurately reporting late payments on this second student loan account, even though this loan, too, was under a protected status of deferment or forbearance. These false late payment notations were never communicated by the servicer and are harmful to my credit profile. This represents a pattern of negligent and reckless reporting. Equifax has violated FCRA 1681e ( b ) for failing to maintain reasonable procedures to ensure maximum possible accuracy. The continued reporting after notice of dispute constitutes willful noncompliance under FCRA 616.

Applicable Laws : FCRA 1681e ( b ) Failure to ensure accuracy FCRA 611 ( a ) Failure to conduct proper reinvestigation FCRA 616 Willful noncompliance with FCRA XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Equifax is reporting a hard inquiry by XXXX XXXX XXXX  XXXX dated XX/XX/XXXX, which I did not authorize. I never applied for credit with this institution on that date or granted permission for them to access my credit file. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may furnish a consumer report only if the user has a permissible purpose and with the consumers consent. Equifax has failed to verify the legitimacy of this inquiry and is in violation of FCRA 607 ( a ) for not ensuring only permissible inquiries are reported. Repeated failure to remove unauthorized inquiries after dispute also violates FCRA 611 ( a ).

Applicable Laws : FCRA 604 ( a ) ( 3 ) Permissible purpose required for credit inquiry FCRA 607 ( a ) Duties of consumer reporting agencies to ensure permissible use FCRA 611 ( a ) Duty to reinvestigate disputed inquiries Conclusion The continued reporting of inaccurate student loan information and unauthorized inquiry reflects negligence and a disregard for federal compliance obligations. These errors are not only misleading but are materially damaging to my credit reputation, financial access, and peace of mind. I am formally requesting the CFPB to intervene and require Equifax to delete the inaccurate late payments from both XXXX XXXX accounts and remove the unauthorized inquiry from XXXX XXXX XXXX  XXXX. Furthermore, I urge the CFPB to investigate Equifax 's procedures and handling of disputes, as they are failing to uphold their statutory responsibilities under the FCRA and related consumer laws.

Company response to consumer: Closed with non-monetary relief