Consumer complaint received 2025-09-10 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: WA

Complaint narrative:
b'I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e(b), 1681s-2, 609(a), 611, and 623(a)(1), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items.\n\nXXXX XXXX XXXX  Date Opened: XXXX Balance: XXXX  Late Payment**\nThis account is being inaccurately reported with late payments. Under FCRA  611, when a consumer disputes, the credit bureau must verify the accuracy of the reported data with reliable records. If no proper documentation exists, the account must be updated or removed. No creditor has ever provided evidence of late payment dates with original statements or payment history records tied to me. Continuing to report unverified delinquencies damages my creditworthiness, inflates my risk profile, and directly violates federal law. Unless verifiable proof is obtained, this derogatory remark must be corrected or deleted.\n\XXXX XXXX XXXX Date Opened: XXXX Balance: XXXX  Late Payment**\nThis tradeline is reporting late payments without adequate proof. The FCRA requires furnishers to provide accurate, complete records if they choose to report. Failure to provide documentation makes the data unverifiable and misleading. I have never received validation showing when and how these alleged late payments occurred, nor have I seen supporting billing statements. Reporting unverifiable late payments is reckless and unlawful under  602(A) of the FCRA because it misrepresents my financial responsibility. If this account cannot be validated, it must be updated to reflect a positive status or removed.\n\XXXX XXXX Date Opened: XXXX Balance: XXXX  Late Payment**\nThis account has been closed with a zero balance, yet you continue to show it with late payment history. Continuing to report a derogatory status on a closed, paid account is misleading and violates the requirement for maximum possible accuracy under  607(b). If an account is closed and paid, then no new delinquency can legally exist, and prior reported late payments must be verified with original creditor records. Failure to remove or correct this inaccuracy shows noncompliance with the FCRA, and the item must be deleted if you cannot obtain verification.\n\XXXX XXXX  Date Opened: XXXX Balance: XXXX  Late Payment**\nThis account is showing late payments despite the fact that I never received proof of delinquency. Furnishers are required under the FCRA and FDCPA to maintain complete and accurate records. No billing statements, due dates, or delinquency notices have been provided. Without such validation, the reporting remains unverifiable and misleading. Continuing to list it with negative history harms my credit reputation and constitutes noncompliance. If verification cannot be presented, this tradeline must be removed.\n\XXXX XXXX XXXX  Inquiry\nThis inquiry appears duplicative and unauthorized. Duplicate inquiries are harmful, inaccurate, and violate  607(b). Without verifiable proof, this must be deleted.\n\XXXX XXXX  Inquiry\nThis inquiry is reported under a variation of the same creditor name, creating multiple entries for the same attempt. Such duplication is inaccurate and misleading under the FCRA. Delete immediately.\n\XXXX XXXX   Inquiry\nThis inquiry is unauthorized. No proof of permissible purpose has ever been provided, and therefore it must be deleted.\n\XXXX XXXX   Inquiry\nThis inquiry was made without my consent. I never applied for credit with Numerica, and therefore, it violates FCRA  604. Remove immediately.\n\XXXX XXXX XXXX  Inquiry\nThis inquiry is unauthorized and unverifiable. Without proof, it cannot lawfully remain on my report.\n\XXXX XXXX   Inquiry\nThis inquiry is unauthorized. Without proof of an application or permissible purpose, it must be deleted in compliance with FCRA.\n\nI respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.'

Company response to consumer: Closed with non-monetary relief