Consumer complaint received 2025-09-04 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: TN

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX This account is reporting a late payment that is false and unverifiable. I have never received billing statements or validation documents that prove the alleged delinquency occurred. The absence of verifiable evidence makes this reporting unlawful under FCRA Section 611. The continued reporting misleads creditors into assuming financial irresponsibility, which is both harmful and unjust. Section 607 ( b ) of the FCRA requires maximum accuracy, yet this account has not been properly verified after multiple disputes. Furnishers of information also carry responsibility under Section 623 to ensure truth and fairness in reporting. This error violates my consumer rights and creates long-lasting negative impacts on my financial future. Since the furnisher can not validate the late payment, the only lawful remedy is removal of this inaccurate data. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$4100.00} XXXX XXXX  This account shows late payment history that is incorrect and unsupported by any documentation. I have not been provided with payment records, billing statements, or evidence that would confirm these derogatories. Under FCRA Section 611 ( a ) ( 5 ), when disputed information can not be verified, it must be deleted promptly. Continuing to report unverifiable information is negligent and may constitute willful noncompliance under Section 616, exposing the bureau to liability. The furnisher has failed in its duty under Section 623 ( a ) ( 2 ) to correct inaccurate information once disputed. The presence of this error damages my credit standing and misleads potential lenders, which is unlawful. Without validation, this account can not remain in my file. I demand deletion of the false late payment entries to restore accuracy and fairness in compliance with federal law. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

Company response to consumer: Closed with non-monetary relief