Consumer complaint received 2025-08-20 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 filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records.

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late Payment Law : FCRA Section 609 ( a ) ( 1 ) allows me to request verification of reported data. 
Story : The account is reported with late payments, but my personal records do not reflect any delinquency. Unless the creditor can provide signed and dated proof, this reporting is unverifiable and must be corrected or deleted.

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Chargeoff Law : FCRA Section 611 requires deletion of information that can not be verified. 
Story : I never received proper notice of this charge-off, and the reporting is incomplete and misleading. Without full documentation from the original creditor, this entry must be deleted from my file. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$220.00} Late Payment Law : FCRA Section 607 ( b ) requires furnishers and credit bureaus to maintain accurate reporting. 
Story : This account is listed with late payments that do not exist. My records prove consistent and timely payments. This inaccuracy damages my credit profile and should be removed.

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA Section 611 ( a ) ( 1 ) ( A ) requires reinvestigation of disputed data. 
Story : Reporting a late payment on an account with a XXXX balance is inaccurate. This creates a false negative mark against me. Please investigate and delete the incorrect late payment. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA Section 609 ( a ) allows me to request full details of reporting. 
Story : With a balance of XXXX, it is not logical or accurate to show late payments. This harms my credit and does not reflect reality. Please delete the inaccurate late history. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief