Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
To Whom It May Concern, This is now my sixth formal request addressing serious inaccuracies appearing on my Equifax credit report. Despite repeated attempts to rectify these issues, your organization continues to report incorrect information, severely impacting my financial reputation and my ability to secure credit and achieve my financial goals. It is deeply frustrating that after multiple disputes, Equifax has not fulfilled its responsibility to ensure accuracy, as clearly outlined by federal law. 

Below, I've detailed each disputed item individually, including clear explanations, legal references, and personal context to clarify the urgency of removing or correcting these inaccuracies immediately under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX Issue : Wrong Address Law : Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ) Story : I have never resided at or been associated with the above-listed address. Reporting inaccurate personal information on my credit report violates the FCRA and compromises my identity security. Continued reporting of this address places my identity at risk of fraud and identity theft. Please delete this erroneous address immediately. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Credit : {$3500.00} Date Opened : XX/XX/XXXX Issue : Incorrect Late Payments Law : Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) ; FCRA 611 ( a ) ( 5 ) ( A ) Story : Equifax is inaccurately reporting late payments on this student loan account. During the period reported as late, I had requested and was granted deferment due to financial hardship. Reporting payments as late during an approved deferment violates the FCRA and falsely damages my credit standing. Immediate removal of these incorrect late payments is necessary to reflect the accurate and truthful history of this account. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX High Credit : {$1700.00} Date Opened : XX/XX/XXXX Issue : Incorrect Late Payments Law : Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) ; FCRA 611 ( a ) ( 5 ) ( A ) Story : Similar to the above, Equifax has recorded late payments inaccurately on this account. I was enrolled in an income-driven repayment plan at the time, and my payments were made consistently according to the adjusted repayment schedule provided by XXXX Reporting these payments as late is a misrepresentation of my payment behavior, unfairly penalizing my creditworthiness. Under the FCRA, Equifax must immediately correct this inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit : {$1000.00} Date Opened : XX/XX/XXXXXXXX  Issue : Incorrect Late Payments Law : Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) ; FCRA 611 ( a ) ( 5 ) ( A ) Story : Equifax has inaccurately reported late payments despite my compliance with the loan servicers repayment guidelines during the COVID-19 pandemic period. These reported delinquencies directly contradict my documented deferment under the CARES Act. Such inaccuracies are clear violations of my rights under federal law and must be corrected without delay to reflect an accurate portrayal of my financial responsibility. 

Equifax is required by law to maintain maximum accuracy in credit reporting under the Fair Credit Reporting Act, 607 ( b ). Given the extensive documentation previously provided, continued inaccuracies and non-compliance with federal laws compel me to escalate my concerns to regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if these issues are not promptly corrected. 

I am formally requesting immediate removal of all inaccurate information detailed above. Provide me with an updated and accurate credit report within 30 days as required by the Fair Credit Reporting Act. 

Your immediate attention to these serious matters is required.

Company response to consumer: Closed with non-monetary relief