Consumer complaint received 2025-08-31 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: IN

Complaint narrative:
I am filing this complaint against multiple creditors and furnishers for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These accounts are being reported inaccurately and unfairly, causing me severe financial and emotional harm. I have attempted to dispute these issues directly with the credit bureaus and the furnishers, but no proper investigation has been conducted, and the items continue to be reported inaccurately, which is a direct violation of federal law. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and enforce corrective action. 
XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$9000.00} | Reported Late Payment This account shows late payments that I have never been given proper notice of or any documentation to prove their validity. I have not received statements or correspondence verifying these alleged delinquencies. Reporting negative payment information without certified evidence violates FCRA 607 ( b ), which mandates maximum possible accuracy in credit reporting. Additionally, 609 ( a ) ( 1 ) grants me the right to know the sources of the information being reported, and no such proof has been provided. If this listing can not be substantiated with original creditor documentation, it must be deleted to comply with federal law. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Late Payment This account reflects a {$0.00} balance yet continues to display negative payment history. Listing a fully paid or closed account with derogatory notations, without proper evidence, creates a false and misleading picture of my creditworthiness. This violates FCRA 605 ( a ), which prohibits reporting incomplete or outdated information. If Equifax can not provide tangible records verifying these alleged late payments, this account must be permanently removed. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Charge Off This charge-off is severely damaging, and I have no recollection or verified documentation supporting that I owed a balance that led to this status. Given the age of this account, it appears outdated and unverifiable, and FCRA 605 ( a ) strictly limits the reporting of negative information beyond seven years. Without certified records from the original creditor proving the accuracy of this listing, it must be deleted to ensure compliance with federal law. 
XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Charge Off This entry is particularly misleading because it lists a charge-off despite a zero-dollar balance, and no supporting documentation has been provided to validate this claim. Continued reporting of a charge-off without proper verification violates FCRA 611 ( a ), which requires consumer reporting agencies to reinvestigate disputed accounts and obtain proof directly from the furnisher. This entry is unverifiable, harmful, and must be removed immediately. 
Conclusion and Requested Action The continued reporting of these accounts with inaccurate, unverifiable, and misleading information is unlawful. I am suffering harm to my credit score, denial of credit opportunities, and reputational damage as a direct result. I request that the CFPB enforce immediate deletion or correction of these accounts from all consumer reporting agencies. Furthermore, I request an investigation into the furnishers and bureaus compliance with the FCRA and FDCPA, and that appropriate penalties be applied for their ongoing violations.

Company response to consumer: Closed with explanation