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 complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} Late Payment Law Issue : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must provide accurate info Story : I dispute the late payment being reported on this account. I was facing verified financial hardship during the mentioned period and was in communication with the creditor for assistance. This reporting lacks full context and hurts my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Late Payment * * Law Issue : FCRA 1681e ( b ), 1681i Story : The reported late payments are inaccurate. I was under a forbearance agreement due to hardship during this time and should not have been reported late while receiving assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * Law Issue : FCRA 1681s-2 ( b ) Furnishers must correct inaccurate info Story : This account also reflects late payments during a period when I had an active deferment. Improper reporting of late marks during forbearance is a clear FCRA violation. 
EDFINANCIAL XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Late Payment * * Law Issue : FCRA XXXX ( a ) ( XXXX ) Data must be accurate and not outdated Story : This account contains duplicate late entries and reporting gaps that mislead lenders. I believe the reporting is not updated or verified, as some dates overlap with other active agreements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * Law Issue : FCRA 1681i ( a ) ( 1 ) ( A ) Story : This account also appears to reflect incorrect payment history. I was enrolled in a financial hardship program, and the servicer assured no negative credit impact. This reporting breaks that promise and requires review. 
Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

Company response to consumer: Closed with explanation