Consumer complaint received 2025-10-07 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccurate entries on my credit report. My goal is to ensure that all information reported by the creditors and the credit bureaus is accurate, complete, and compliant with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and applicable state laws. The reporting inaccuracies have caused me substantial financial harm, including lowered credit scores, denial of credit opportunities, and undue stress. I am requesting that each disputed item be fully investigated and corrected or removed if inaccurate. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$6100.00} Late Payment * * This account incorrectly reports late payments. I have never missed any scheduled payments and have documentation to prove all payments were made on time. Under FCRA 1681i ( a ) ( 1 ) ( A ), any unverifiable information must be deleted promptly. Reporting inaccurate late payments is materially harmful, misleading to lenders, and constitutes a violation of federal law. I demand the removal of these false entries. The bureau must conduct a thorough reinvestigation, including contacting the furnisher for verification. I expect written confirmation of correction. The inaccurate reporting adversely affects my credit score and my ability to secure financial products. The furnishers failure to provide verification of late payments requires immediate deletion. Continuing to report false information is unlawful and exposes the bureau to liability. I insist that the bureau comply with all obligations under FCRA. Maintaining these inaccurate entries is materially misleading. This error impacts my financial opportunities. I request removal without delay. Full documentation of timely payments can be provided. I expect immediate resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$3700.00} Late Payment * * This account falsely reports late payments. I have a complete record showing timely compliance with payment obligations. FCRA 1681s-2 ( b ) obligates furnishers to correct inaccuracies when notified. Reporting these late payments without verification is a violation of federal law. The continued presence of these inaccuracies has caused measurable damage to my credit score. I demand a thorough reinvestigation and immediate correction or deletion. The bureau must verify with the furnisher and remove any unverifiable information. Reporting false delinquencies constitutes reckless reporting and harm to my credit reputation. I request written confirmation of deletion. The bureau is required by law to ensure accuracy under FCRA 1681e ( b ). These false late payments may result in further financial harm if not corrected. Immediate action is required. Maintaining inaccurate information constitutes negligence. I have evidence supporting timely payments. I expect compliance with federal requirements. Immediate reinvestigation and correction are demanded. 

I request CFPB to investigate these disputes thoroughly and require the credit reporting agencies and furnishers to correct or delete all inaccurate information. The continued reporting of these errors demonstrates noncompliance with FCRA requirements and has materially harmed me. I expect written confirmation of all actions taken, including deletion of inaccurate entries and verification procedures employed. The enforcement of federal law through CFPB intervention is necessary to ensure fair reporting and restore the accuracy of my credit profile.

Company response to consumer: Closed with non-monetary relief