Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Equifax for its continued reporting of inaccurate, unverifiable, and misleading information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Despite attempts to resolve these disputes directly with Equifax, the inaccurate information remains, causing damage to my credit profile and financial opportunities. 

Below are detailed descriptions of the disputed items, the specific violations of law, and supporting explanations : XXXX. XXXX Acct # : XXXX Issue : Inaccurate Late Payment Law Violated : FCRA 607 ( b ) ; 611 Details : This account was brought current quickly after a temporary hardship, and the creditor failed to provide any documentation validating the late status. Equifax has not provided evidence to support the derogatory mark. 

XXXX. XXXXDOFED  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments on Federally Protected Student Loans Law Violated : CARES Act ; FCRA 623 ( a ) ( 1 ) ( A ) Details : These loans were covered under federal forbearance during the COVID-19 pandemic under the CARES Act. No payments were due during this period, and reporting late payments during forbearance violates federal law. Equifax continues to report these entries despite dispute. 

XXXX. XXXX Acct # : XXXX Issue : Inaccurate Late Payment Law Violated : FCRA 607 ( b ) Details : A system error occurred despite available funds in my account. I was not notified or given a chance to resolve the issue before being reported late. The creditor has not validated this mark, yet Equifax continues to report it. 

XXXX. XXXX  Acct # : XXXX Issue : Inaccurate Late Payment After Account Closure Law Violated : FCRA 623 ( b ) ; FDCPA 807 Details : The account was paid and closed, yet a late payment was reported afterward without documentation. This is inaccurate and misleading. Equifax failed to validate this entry. 

XXXX. XXXX Acct # : XXXX Issue : Autopay Failure Misreported as Late Law Violated : FCRA 607 ( b ) Details : I was enrolled in autopay and had sufficient funds. A technical error on the banking side caused a delay. No notice was given, and the account was marked late unjustly. 

XXXX. XXXX Acct # : XXXX Issue : System Error During Transition Law Violated : FCRA 607 ( b ) Details : During the card issuer transition, I was never properly billed or notified. The late payment reported is the result of a system transfer error, not consumer negligence. 

XXXX. XXXX Acct # : XXXX Issue : Unverified Late Payment Law Violated : FCRA 607 ( b ) ; 623 ( a ) ( XXXX ) Details : This account was inactive and paid in full. The reported late payment is unsupported, and no documentation has been provided. Equifax is reporting this mark without proper investigation. 

XXXX XXXX  XXXX Acct # : XXXX Issue : Collection Without Validation Law Violated : FDCPA 809 ( a ) ; FCRA 611 Details : I never received a debt validation letter, and the collection agency has failed to prove this debt. Reporting this account without validation is a clear violation of consumer protection laws. 

XXXX. XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX Issue : Invalid Collection Reporting Law Violated : FDCPA 807, 809 ; FCRA 611 Details : This debt was disputed with the agency, and no supporting documentation was returned. The continued reporting of this unvalidated collection account is unlawful. 

XXXX. XXXX Inquiry dated XX/XX/year> Issue : Unauthorized Hard Inquiry Law Violated : FCRA 604 ( a ) ( 3 ) Permissible Purpose Details : I never applied for credit with this company or gave permission for a hard inquiry. Equifax has not provided proof of authorization and continues to report this unauthorized access. 

Relief Sought : Removal of all late payments that can not be validated or were made during CARES Act protection Permanent deletion of any collection account without proper debt validation Removal of unauthorized hard inquiry Copy of updated credit report reflecting corrections Description of Equifaxs investigation process per FCRA 611 ( a ) ( 7 ) I am requesting the CFPB 's assistance in compelling Equifax to comply with federal laws, correct my credit report, and stop the continued harm caused by inaccurate and unverifiable data.

Company response to consumer: Closed with non-monetary relief