Consumer complaint received 2025-08-29 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: NV

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$120.00} Late Payment Law : FCRA Section 607 ( b ), Section 611 Story : This account is reporting late payments without proper validation. Under the FCRA, maximum accuracy is required, and unverifiable late payments can not remain. I requested proof, such as billing statements and dates, but none was provided. Continuing to report these unverifiable lates violates my consumer rights and must be deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA Section 623 ( a ), Section 607 ( b ) Story : It is inaccurate to report late payments on a paid {$0.00} balance account. This creates a false impression of delinquency, which FCRA specifically prohibits under Section 623. Since no proper validation has been provided, this derogatory late history is unverifiable and must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Late Payment Law : FCRA Section 607 ( b ), Section 611 Story : These reported late payments are inaccurate and unverifiable. The FCRA requires strict accuracy. I requested validation through billing statements and payment records, yet none have been produced. Reporting unverifiable lates damages my reputation and constitutes a violation of FCRA responsibilities. This must be corrected by removal. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA Section 623 ( a ) ( 1 ) ( C ), Section 611 Story : Reporting lates on a {$0.00} balance account is misleading, inaccurate, and unlawful. This gives a false picture of delinquency. The FCRA prohibits the reporting of misleading data and requires correction of inaccurate information. Since no validation has been provided, these lates are unverifiable and must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Chargeoff Law : FCRA Section 609, Section 611, Section 623 ( a ) Story : This chargeoff is inaccurate and unverifiable. I never authorized this account and you have not provided contracts, applications, or payment records proving its validity. Reporting false debt is a violation of FCRA Section 623 and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection Law : FCRA Section 611, FDCPA Section 809 Story : I dispute this collection entirely. Under FCRA and the FDCPA, I have the right to full validation of the debt. No validation has been provided. Reporting a collection without proof violates federal law and causes harm by damaging my credit reputation. This unverifiable account must be deleted.

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

Company response to consumer: Closed with non-monetary relief