Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
To Whom It May Concern I am filing this complaint because my consumer report is carrying multiple inaccurate and unauthorized entries that continue to harm me. I have already attempted to resolve these issues but the reporting continues without proper adherence to the Fair Credit Reporting Act FCRA 602A 607B 611 and the Fair Debt Collection Practices Act FDCPA 807 and 809 where applicable. My rights to accuracy fairness and proper reinvestigation have been violated and I am requesting immediate intervention and correction. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Late Payment The reported late payment history is inaccurate because I have never made a late payment on this account. Reporting a late status without verifying my payment record violates FCRA 602As accuracy requirement and FCRA 607Bs mandate that information must be verified before reporting. The continued appearance of this false late fee after prior disputes violates FCRA 611 which requires a lawful and reasonable reinvestigation. I am requesting immediate correction of the payment history to reflect the accurate never-late status. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Late Payment The late payment being reported is inaccurate and does not match my actual payment history because I have never submitted a late payment for this account. Reporting this incorrect status without proper verification is a failure to follow FCRA 602A and 607B and the continued reporting after previous disputes violates FCRA 611. I request correction of all payment history to accurately reflect that no late payments occurred. 

DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Late Payment This late payment reporting is false because I have never made a late payment. Reporting unverified derogatory information is a direct violation of FCRA 602A and 607B and the failure to properly reinvestigate after disputes is a violation of FCRA 611. I request full correction of the inaccurate payment history. 

DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Late Payment The reported late status is inaccurate because I have never made a late payment on this account. The furnishing of false derogatory data violates FCRA 602A and 607B and the reinvestigation responsibilities under FCRA 611. I request immediate correction of all inaccurate late payments. 

XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Chargeoff I have no knowledge of this account and have never opened or authorized any account with this lender. Reporting an account that does not belong to me violates FCRA 602As accuracy standards and 607Bs duty to verify data prior to reporting. Because there is no permissible purpose and no evidence supporting this tradeline the failure to delete it after disputes also violates FCRA 611. I request immediate deletion of this entire account from my consumer report. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Chargeoff I have no knowledge of this account. Reporting a chargeoff that does not belong to me is a violation of FCRA 602A and 607B and failing to properly reinvestigate violates FCRA 611. I request deletion of the entire account. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Chargeoff I have no knowledge of this account and have never authorized any debt or contract related to it. Reporting unverified negative information violates FCRA 602A and 607B and failing to correct or delete after dispute violates FCRA 611. I request immediate deletion of this account. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Chargeoff I have no knowledge of this account. Furnishing a chargeoff that does not belong to me violates FCRA 602A and 607B and failing to remove it after disputes violates FCRA 611. I request deletion of the entire tradeline. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Chargeoff I have no knowledge of this account. Reporting this chargeoff without proper verification violates FCRA 602A and 607B and the continued reporting after disputes violates FCRA 611. I request deletion of this account immediately. 

I am requesting that CFPB assist in enforcing my rights under the FCRA and ensuring that each furnisher conducts a lawful and complete reinvestigation removing or correcting the inaccurate or unauthorized information described above. The continued presence of these false items is causing ongoing harm and I urgently need them resolved.

Company response to consumer: Closed with explanation