Consumer complaint received 2025-09-24 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 regarding multiple inaccurate, misleading, and unauthorized entries on my credit report. My prior CFPB complaint remains open. I have not submitted an FTC complaint yet. This letter details all disputed items, each including legal references and narratives describing the harm caused. The reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires accurate, complete, and timely reporting of consumer credit information. 
XXXX XXXXXXXX XXXX  Late Payment High Balance : {$380.00} Date Opened XXXX XXXX XXXX XXXX  This account contains inaccurate late payment reporting. I have consistently made timely payments, and XXXX XXXX has failed to verify the accuracy of its reporting. Reporting false late payments violates my rights under the FCRA, 15 U.S.C. 1681i. These errors are harming my credit score, affecting my ability to access credit, and causing financial and emotional stress. I demand the removal of these inaccurate late payment entries. 
XXXX XXXX Late Payment High Balance : {$270.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account has been inaccurately reported as containing late payments. I have disputed these directly with the furnisher, but no corrective action has been taken. Such misreporting constitutes willful noncompliance with FCRA 1681s-2 ( a ) and ( b ). I am harmed by these inaccuracies, including denial of financial opportunities and stress. I demand immediate investigation, correction, and deletion of this inaccurate reporting. 
XXXX XXXX Late Payment High Balance : {$990.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account has been inaccurately reported as having late payments. I have consistently made timely payments, and the reported late payment is false. This is a violation of 15 U.S.C. 1681s-2 ( a ) and 1681i, which obligates furnishers to ensure the accuracy of reported information. The false late payment reporting has caused undue harm to my credit profile, including denial of credit and emotional distress. I demand immediate correction or deletion. 
XXXX  XXXX XXXX Late Payment High Balance : {$650.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account has been reported with false late payments. XXXX XXXX has failed to verify or correct this information despite my direct dispute. Reporting inaccurate late payments violates FCRA 1681i ( a ) and causes financial harm, including a reduction of my creditworthiness and wrongful damage to my reputation. Immediate removal or correction is required. 
XXXX Inquiry XX/XX/XXXX This inquiry is inaccurate and unauthorized. XXXX has no legal basis to perform this inquiry. Reporting unauthorized inquiries constitutes a willful violation of 15 U.S.C. 1681b and 1681i. Immediate removal is demanded. 
I demand that all inaccurate addresses, accounts, late payments, charge-offs, bankruptcies, and unauthorized inquiries be corrected or removed immediately. Continued reporting of inaccurate information violates the FCRA and has caused ongoing financial, credit, and emotional harm. I request written confirmation of investigation results and corrective actions for each disputed item.

Company response to consumer: Closed with explanation