Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
I am filing this complaint against Equifax for failing to maintain accurate, complete, and verifiable information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). I have submitted disputes regarding the following accounts and inquiries, but Equifax has either ignored or failed to properly reinvestigate the errors, resulting in continued reporting of inaccurate negative information. 

Disputed Late Payments : XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$530000.00} ) : Reports a late payment that I dispute. I submitted payment on time, and no proof of delinquency has been provided. 

XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$15000.00} ) : Late payment reported despite an internal payment processing error not caused by me. 

XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) : Late payment during a hardship deferment period, making this report misleading. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$850.00} ) : Disputing the recent late payment as I received no proper billing notification. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) : Reporting a late payment on a closed account with a XXXX balance is inappropriate. 

XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) : This account is closed, yet a late payment is being reported inaccurately. 

XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} ) : This account is old, closed, and paid off. Continued reporting of derogatory marks is misleading. 

Disputed Charge-Off : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4200.00} ) : This charge-off is being reported without sufficient documentation. I have not received proof of default or notice of collection activity. 

All of the above accounts either report incorrect late payments or outdated derogatory marks that violate FCRA 1681e ( b ) ( requirement for maximum possible accuracy ) and 1681i ( a ) ( consumers right to dispute and reinvestigation ). 

Unauthorized or Unverified Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me. Equifax has failed to provide proof of permissible purpose under FCRA 1681b ( a ) ( 3 ), and they must be removed. 

What I want the company to do : Remove all inaccurate late payments and charge-off entries that can not be verified. 

Delete all unauthorized or unverifiable hard inquiries. 

Provide written confirmation of all deletions or corrections. 

Ensure future compliance with FCRA by improving dispute investigation procedures. 

Impact on me : Due to Equifaxs failure to correct these inaccuracies, my credit score has suffered significantly. Ive been denied credit, faced higher interest rates, and experienced emotional distress. These continued reporting errors are causing me financial harm and must be addressed immediately. 

Please investigate Equifaxs handling of my disputes and hold them accountable for their non-compliance with federal law.

Company response to consumer: Closed with non-monetary relief