Consumer complaint received 2025-08-12 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and protect consumers from unfair and inaccurate credit reporting practices. 
ACCOUNTS XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Chargeoff * * Law : FCRA 602 ( A ), 607 ( B ), 611 Duty to assure maximum accuracy and reinvestigate disputed information Issue : Reported as a charge-off despite being inaccurate and unverifiable Story : This account is being reported as charged-off when I have no record of default or valid documentation supporting this status. I have requested verification in the previous dispute, but no original contract, payment history, or charge-off notice has been provided. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff * * Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Inaccurate reporting with no validation Story : This account mirrors other XXXX XXXX accounts disputed above and is likely a duplicate or misreported item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Late payment reported without proof of delinquency Story : I have no evidence of receiving late payment notices, and no ledger proving late status has been provided by the furnisher. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Late payment marked on an account that shows XXXX balance Story : An account showing no balance should not be marked with a late payment unless there is documented proof, which has not been provided. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Late payment status on a {$0.00} balance account Story : No late payment records or verified history have been shown for this account, making the reporting unverifiable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Charge-off on a XXXX balance account Story : This reporting is logically inconsistent and unsupported by any provided records. 

I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

Company response to consumer: Closed with non-monetary relief