Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$0.00} * * This account shows a charge-off with a {$0.00} balance, which is contradictory and misleading. 
Law Issue : FCRA 605 ( a ) ( 5 ), 623 ( a ) ( 2 ) Story : Reporting a charge-off with a {$0.00} balance implies an ongoing derogatory status despite resolution. As it exceeds the XXXX reporting limit, this entry must be deleted to reflect accurate and fair information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Opened : XX/XX/XXXX Balance : {$27000.00} * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) Story : This federal loan has been inaccurately marked with late payments. I was under a hardship deferment during this period, which should not result in delinquency marks. Please reinvestigate and correct or delete. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened : XX/XX/XXXX Balance : {$0.00} * * A charge-off is inaccurately listed despite a {$0.00} balance, indicating closure or resolution. 
Law Issue : FCRA 605 ( a ), 611, 623 ( a ) Story : This listing is deceptive and damages my score. If the balance is zero and debt is no longer owed, the charge-off status should not remain. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Opened : XX/XX/XXXX Balance : {$25000.00} * * Law Issue : FCRA 602 ( a ), 623 ( a ), 611 ( a ) Story : I dispute the accuracy of reported late payments. I never received any documentation of delinquency. Unless verified with original payment records, this must be deleted.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$25000.00} * * Law Issue : FCRA 611, 602 ( a ) Story : This account had a payment plan in place, which was ignored during reporting. Mislabeling these payments as late severely misrepresents my payment behavior. Please investigate. 
XXXXXXXX XXXX XXXXXXXX Reference XXXX XXXX XXXX I am disputing the accuracy and inclusion of this XXXX  filing. I was a victim of identity compromise and never personally filed for XXXX.

Law Issue : FCRA 605 ( a ) ( 1 ), 611, 602 ( a ) Story : I request documentation directly from the court with full identity verification. If not provided within 30 days, this public record must be removed under the law due to unverifiable origin. 
These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief