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: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Late Payment * * Law Violation : FCRA 1681i & 1681s-2 Story : I have maintained timely payments on this account. The reporting of late payments is inaccurate. I never received any notice of delinquency and my records show on-time transactions. This error is harming my creditworthiness and violates my rights under FCRA.

Request : Please reinvestigate and correct or delete this entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Late Payment * * Law Violation : FCRA 1681i ( a ) Story : The reported late payment is inaccurate. I had automatic payments set up and never missed a due date. This appears to be a reporting error that I request you reinvestigate immediately.

Request : Please validate the payment history with proper documentation or remove this record. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment * * Law Violation : FCRA 1681c-2 Story : This account was newly opened, and I was in the grace period when the late payment was reported. Reporting a delinquency during grace violates the FCRA and misrepresents my financial conduct.

Request : Remove this inaccurate negative mark. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Late Payment * * Law Violation : FCRA 1681i Story : There is no accurate documentation provided to justify this late payment. This record appears as a duplicated or misapplied delinquency.

Request : Reinvestigate and delete unless full documentation proves accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Late Payment * * Law Violation : FCRA 1681s-2 ( b ) Story : I have consistently made timely payments and this late payment is unfounded. This inaccuracy is affecting my credit standing.

Request : Request full payment ledger and verify its validity or delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00} Late Payment * * Law Violation : FCRA 1681i Story : I have no record of missing any payments on this account. This could be an error from internal system syncing or misreporting.

Request : Reverify with the furnisher and provide clear documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} Late Payment * * Law Violation : FCRA 1681e ( b ) Story : The reported late payment is not supported by my bank statements and appears to be an error by the furnisher. This is harming my ability to access fair credit.

Request : Please initiate reinvestigation and remove the delinquency if unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment * * Law Violation : FCRA 1681s-2 Story : Duplicate account entries with differing balances indicate inconsistent data, which violates the FCRA. The late mark here is questionable.

Request : Eliminate any duplicate negative entries and verify payment data.

I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

Company response to consumer: Closed with non-monetary relief