Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate and unverified accounts currently being reported on my Equifax credit file. These items are damaging my creditworthiness and are in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information on consumer credit reports be accurate, verifiable, and lawfully reported. 
Under FCRA 1681i, you are legally obligated to conduct a full reinvestigation of each disputed entry and delete or correct any item that can not be completely verified. The following accounts are being disputed as they are either inaccurate, unverified, or misreported : XXXX  XXXX High Balance : {$260.00} Date Opened : XX/XX/XXXX Late Payment This account is being falsely reported with a late payment. I have never made a late payment on this account. Please update it to reflect a perfect on-time history in compliance with FCRA 1681e ( b ). 
XXXX XXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Late Payment This late payment is inaccurate. I have always paid on time, and this error must be corrected immediately. 
XXXX XXXX High Balance : {$130.00} Date Opened : XX/XX/XXXX Late Payment This late payment record is incorrect and misleading. Please update this account to show a positive payment history. 
XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Late Payment This is an inaccurate reporting of a late payment. I have never missed or delayed any payment, and this should be corrected or deleted immediately. 
XXXX XXXX High Balance : {$7600.00} Date Opened : XX/XX/XXXX Late Payment This late payment is false. I request that you remove this inaccurate mark or update it to reflect on-time payment status. 
XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Late Payment This account is incorrectly showing a late payment. Please review and correct this error in compliance with FCRA 1681i ( a ) ( 5 ). 
XXXX  XXXX  XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this charge-off account. It is unverified and must be deleted from my credit report immediately. 
XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Charge Off This account is unfamiliar to me, and I have never authorized or entered into an agreement with this creditor. Please delete this unverified charge-off immediately. 
XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment This account is being incorrectly reported with a late payment. I have never missed a payment. Please update this record to reflect accurate, on-time payment information. 
XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment This account contains false late payment information. Please remove the inaccurate entry or correct it to reflect proper payment history. 
XXXX XXXX XXXX High Balance : {$26000.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this charge-off account. It is inaccurate, unverified, and must be deleted immediately from my Equifax credit report. 
XXXX XXXX XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Late Payment This is a false report of a late payment. Please review and correct the information to reflect a perfect payment record. 
XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment This late payment report is incorrect and harmful. Please correct or delete this inaccurate information immediately under FCRA 1681i. 
Conclusion Under the Fair Credit Reporting Act, you are required to complete your reinvestigation within XXXX days of receiving this letter and provide written results, along with a free updated copy of my credit report. 
If these accounts can not be fully verified with proper documentation and lawful proof, they must be deleted immediately. Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with federal law. 
I expect your immediate attention and a full, lawful resolution of this matter.

Company response to consumer: Closed with non-monetary relief