Consumer complaint received 2025-08-23 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: SC

Complaint narrative:
Dear Equifax, As a consumer, I am protected by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This law requires that all information reported by Equifax must be accurate, fair, and fully verifiable. Any item that can not be validated with original creditor documentation must be deleted immediately. 

Upon reviewing my Equifax credit file, I found several accounts that are either inaccurate, misleading, or unverifiable. These errors are harming my creditworthiness, and I am demanding a full investigation under FCRA 611 ( a ). 

Disputed Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurate late payments. Without proper validation of payment history, this reporting violates FCRA 607 ( b ) ( requirement for maximum accuracy ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Shows delinquency history that can not be substantiated. Continuing to report unverifiable data violates FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXXXXXX XXXX This account shows a {$0.00} balance but is still listed as a charge-off, which is contradictory and misleading. Such reporting violates FCRA 602 ( A ) and must be deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Reported as a charge-off despite a {$0.00} balance. This is inconsistent and violates FCRA 607 ( b ) requiring maximum possible accuracy. 

XXXX XXXXXXXX Inaccurate late payments are listed. If they can not be validated with complete payment records, they must be removed under FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXXXXXX XXXX Reported late payments remain unverified. This violates FCRA 609 ( a ) ( 1 ) which grants me the right to view original source documentation. 

XXXX XXXX XXXX  Another account reflecting unverifiable late payments. Continuing to report without validation is a violation of FCRA 607 ( b ). 

XXXX XXXXXXXX XXXX XXXX XXXX Late payment reporting is inconsistent and unverifiable. Please investigate and remove under FCRA 611. 

XXXX XXXX XXXX XXXX This {$65.00} collection is unverified. Under FCRA 609, I am entitled to review the original documentation. If you can not provide it, this must be deleted. 

XXXX XXXX XXXX This collection remains inaccurate and unverifiable. Reporting it without validation violates FCRA 611 ( a ) ( 1 ) ( A ). 

Final Notice Equifax is required to investigate these disputes within 30 days of receipt under FCRA 611 ( a ) ( 1 ). If you can not provide full validation from the original creditors, you must delete these items from my credit file immediately. 

Failure to comply will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to seek remedies under FCRA 616 and 617 for negligent or willful noncompliance. 

I expect written confirmation of the results of your investigation.

Company response to consumer: Closed with non-monetary relief