Consumer complaint received 2025-09-19 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 complaint with CFPB due to multiple inaccuracies on my credit report, including late payments, charge-offs, and an unauthorized hard inquiry. The reporting of these items violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to ensure accuracy, completeness, and proper verification of consumer information. I have repeatedly disputed these items with the reporting agencies, yet they continue to appear on my credit report without verification. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$4200.00} | Late Payments * * This entry continues to show derogatory marks that are not verified and not supported by documentation. Under FCRA 609 ( c ), I am entitled to a summary of my rights, including the right to dispute and demand verification. The bureau must provide evidence such as original contracts, billing statements, and account histories that prove the accuracy of the late payment reporting. Without such proof, the information must be deleted under 611 ( a ) ( 5 ). By failing to ensure accuracy, the bureau violates 607 ( b ) which requires reasonable procedures for data reporting. This has caused measurable harm by limiting my ability to obtain fair credit terms and must be corrected immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$4400.00} | Late Payments * * This entry contains late payment data that is incomplete, unverified, and harmful to my credit report. The bureau is required under FCRA 611 ( a ) to perform a reasonable reinvestigation and remove unverifiable information. Continued reporting of this account without proof violates 623 and 607 ( b ), which mandate accuracy and compliance. I am demanding that you either provide the original documentation of my payment history or permanently delete this account to avoid further harm and potential legal liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} : Late Payments * * This account shows late payments that I did not make. I have never missed a scheduled payment as reported. The furnisher has not provided statements, signed agreements, or proof of my delinquency. Reporting these payments without verification violates FCRA XXXX ( a ). This false reporting has lowered my credit score and misrepresented my creditworthiness. I request the bureau to reinvestigate with the furnisher and provide complete documentation. If no proof is available, the information must be deleted. Continuing to report unverifiable late payments harms my financial opportunities. Each dispute I have filed has been ignored or inadequately addressed. This pattern of negligence is unacceptable under federal law. 

XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$3400.00} Late Payments I dispute the late payments on this account because they are inaccurate. I have consistently made all payments on time. The lender has failed to provide documentation confirming any delinquency. Per FCRA 1681i ( a ) ( 1 ), the bureau must verify accuracy with the furnisher. Reporting unverified delinquencies is a violation of my rights. My credit report is being negatively impacted by this error. This accounts inaccurate reporting has affected my ability to apply for loans. I request immediate deletion if verification can not be provided. Proper investigation and correction are required under federal law. Ignoring repeated disputes continues to be noncompliant. 

XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Late Payments This account lists late payments I did not make. The furnisher has not supplied bills, payment records, or any documentation proving delinquency. FCRA 1681i ( a ) mandates verification of disputed information. Reporting false delinquencies misleads lenders and harms my credit score. The bureau must reinvestigate thoroughly. If verification can not be provided, the account should be removed. My repeated disputes demonstrate my attempt to correct inaccurate data. This ongoing error violates my legal rights. I demand that the credit bureau take immediate action. Failure to correct will be considered noncompliance under federal law. 

XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$3600.00} Late Payments I dispute the late payments reported on this account because they are incorrect. I have always maintained timely payments. No verification or documentation has been provided by the furnisher. Under FCRA 1681i ( a ), the bureau must ensure accuracy before reporting. These false reports are damaging my credit and financial reputation. The bureau is required to reinvestigate and remove unverifiable information. My repeated attempts to resolve this have been ignored. Reporting unverified delinquencies is a violation of my rights. I request correction or deletion. Federal law requires compliance, and failure to act is unlawful. 

XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2700.00} Late Payments This accounts late payments are inaccurate. I have never been delinquent on this account. No supporting statements, records, or proof of late payments have been provided. FCRA 1681i ( a ) ensures that credit reporting must be accurate and verified. Reporting false information is damaging and illegal. I request immediate reinvestigation with the furnisher. If verification can not be provided, deletion is required. These inaccuracies have negatively affected my credit score. Repeated disputes demonstrate my good faith effort to correct errors. Continued reporting of unverifiable information violates federal law. 

XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is a federal student loan account that has been closed and carries a XXXX balance, yet it is still reporting on my credit report as though it is open. The FCRA requires credit reporting agencies to ensure that only accurate and verifiable information is reported. The duplicate reporting of this same loan multiple times violates FCRA 1681e ( b ), which requires maximum possible accuracy. Continued reporting of this account without proof of its legal validity creates a misleading impression of my credit obligations and artificially inflates my number of accounts. I have previously disputed this account, and no proper validation documents have been provided within the required 30 days under 1681i. Since this account is satisfied, has no balance, and is still harming my creditworthiness, I am demanding its deletion. Failure to correct this after repeated disputes constitutes negligent and possibly willful noncompliance under 1681n and 1681o, which provides me the right to seek legal action for damages. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is a duplicate entry of the student loan listed above, which is clearly inaccurate because it reports the same account twice under the same account number and same open date. Duplicate reporting is a direct violation of FCRA 1681e ( b ) and creates a misleading impression of multiple obligations. By continuing to report this account despite prior disputes, the credit bureau is failing to maintain maximum possible accuracy. I am demanding deletion of this second listing immediately. If you can not provide complete documentation from the Department of Education proving that this listing is separate and valid, you are required under 1681i ( a ) ( 5 ) to remove it. Continued duplicate reporting after repeated disputes may be considered reckless disregard for the truth and qualifies for statutory damages under XXXX. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This account is reporting a {$0.00} balance but still appears active, which is misleading. The FCRA 1681c requires that obsolete, unverifiable, or closed accounts must be removed when disputed if they can not be proven accurate. I have already disputed this account multiple times and no original creditor documentation has been provided. Continuing to report this information without verification violates 1681i, which mandates a reasonable reinvestigation. The ongoing presence of this account damages my credit profile by affecting my overall number of reported accounts and credit utilization history. I am demanding immediate deletion if you can not provide documentation showing this account is legally reportable. Noncompliance may expose the credit bureau to liability under 1681n for willful violations. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is another duplicate of the same loan listed above and is therefore inaccurate and misleading. Duplicate entries are prohibited under FCRA 1681e ( b ). The presence of two identical accounts with the same number and open date makes it appear as though I had more debt obligations than I actually did, harming my creditworthiness. Since I have previously disputed this account and it continues to report, I demand its deletion under 1681i ( a ) ( 5 ). Failing to remove this duplicate entry after repeated disputes shows a lack of reasonable procedures for assuring maximum possible accuracy, which violates the FCRA and entitles me to legal remedies if not corrected immediately. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This loan is closed, has a XXXX balance, and yet it continues to report as active or open on my credit file. This is misleading and inaccurate reporting under FCRA 1681e ( b ). I have requested documentation verifying the status of this account, and none has been provided. Under 1681i, you must either verify this information or delete it from my report. The continued presence of this account affects my credit utilization and makes it appear that I have active debt obligations that do not exist. I am again demanding deletion if you can not provide full verification from the original servicer. If not corrected, I will consider this willful noncompliance and seek legal remedies under 1681n. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This account appears twice on my credit report, which violates FCRA 1681e ( b ). I have previously disputed this and have not received any valid proof that these are separate accounts. Reporting the same account multiple times creates a false impression of additional debt obligations and negatively impacts my creditworthiness. Under 1681i ( a ), the credit bureau must delete information that can not be verified within the reinvestigation period. Since you have failed to provide proper verification, I am demanding this account be deleted permanently to comply with federal law. Continued duplicate reporting after disputes may constitute negligent or willful noncompliance. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is the duplicate version of the same student loan above, which is clearly inaccurate. Duplicate reporting must be removed under FCRA 1681i ( a ) ( 5 ). I have disputed this multiple times, and your failure to correct it shows a violation of the duty to maintain maximum possible accuracy. If you can not produce full validation directly from the Department of Education showing this is a separate, legitimate account, it must be deleted. Failure to comply constitutes a violation of 1681n and 1681o, making the bureau liable for damages. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This account is no longer verifiable and should have been removed after my initial dispute. Under FCRA 1681c ( a ), outdated or closed accounts must be removed if they can not be verified. You have failed to provide sufficient validation despite my multiple disputes, which violates your duty under 1681i. Continuing to report unverifiable data after notice from the consumer is considered willful noncompliance under 1681n and can subject the bureau to legal action. I am demanding permanent deletion of this account to restore accuracy to my credit file. 

XXXX XXXXXXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is another closed federal student loan account reporting inaccurately. A XXXX balance account that remains on file as active or delinquent is misleading. The FCRA requires credit bureaus to ensure accuracy and to delete unverifiable information. I have disputed this account several times, and no documentation has been provided proving its accuracy. Under 1681i ( a ), you must conduct a reinvestigation and remove this account if it can not be verified. Continued inaccurate reporting harms my creditworthiness and may lead to a claim for damages under 1681n. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4700.00} * * Chargeoff This account is reporting with inaccurate balance information and possible late payments that are not valid. Under FCRA 1681s-2 ( a ), furnishers must report accurate information and promptly correct any errors once notified. I have disputed this account previously and have not received verification or proof of the reported balance. The failure to provide documentation constitutes a violation of 1681i, which requires deletion of unverifiable information. Continued reporting of incorrect data affects my utilization ratio, credit score, and overall creditworthiness. I am demanding either full verification with proper documentation from XXXX XXXX XXXX XXXX or immediate deletion. Repeated failure to correct this XXXX constitute willful noncompliance under 1681n, entitling me to damages. 

INQUIRY XXXX  Type : Inquiry Date Opened : XX/XX/XXXX This inquiry from XXXX on XX/XX/XXXX is reported on my credit file without my authorization. According to FCRA Section 604 ( a ), a credit reporting agency may only report an inquiry if there is a permissible purpose. I did not authorize XXXX to access my credit information at that time, nor was there any application or preexisting account relationship that would justify this inquiry. This unauthorized action has negatively affected my credit score and represents a violation of my rights under federal law. I request that you verify this inquiry directly with XXXX and remove it permanently from my file if it can not be substantiated. The presence of this inquiry is misleading, and it continues to hinder my ability to obtain credit under fair and accurate reporting standards. 

I request CFPB to enforce my rights under the FCRA, require the credit reporting agency to conduct a complete and verified reinvestigation, remove all inaccurate information, and delete unauthorized inquiries. Each item listed is inaccurate, unverifiable, or unauthorized, and the reporting agencies have repeatedly failed to comply with federal law. These inaccuracies are damaging my financial reputation, lowering my credit score, and restricting my access to fair credit. CFPB intervention is necessary to ensure compliance with FCRA and protect my consumer rights.

Company response to consumer: Closed with non-monetary relief