Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint due to persistent and unresolved issues with several accounts listed on my credit reports maintained by the major consumer reporting agencies. Despite my prior efforts to dispute and clarify inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ), these accounts continue to appear with misinformation that has negatively affected my financial standing and personal well-being.

Background and Legal Basis : Under the FCRA ( 15 U.S.C. 1681 et seq. ), both consumer reporting agencies and information furnishers are obligated to maintain accuracy, allow for timely correction of inaccuracies, and refrain from reporting data that can not be verified. I have exercised my rights under 1681i and 1681s-2 to dispute the inaccuracies. Yet, my disputes have either been ignored or superficially addressed without adequate reinvestigation, thereby violating federal mandates. As a result, my credit has been damaged, and I have suffered denials of credit and housing opportunities, compounding emotional distress and financial instability. 

Accounts and Issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account reports multiple late payments dating back to XXXX on a balance that never exceeded {$360.00}. The reporting of delinquencies for such a minimal balance, especially without verifying the accuracy of those dates or whether I had actually missed a payment, reflects either negligence or automation errors in the furnishing process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed with a high balance of {$140.00} and tagged for late payment in XXXX. I never received proper billing notification or delinquency warning from this institution, and I dispute the validity of the delinquency being reported as it arose during a period of documented financial hardship communicated to the creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened in XXXX with a reported high balance of {$5200.00}. I dispute the accuracy of the late payment history, which does not align with my records or correspondence with the bank during that time. The agency has not provided supporting documentation despite my request under FCRA 611 ( a ) ( 7 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting a late payment for an account opened in XXXX with a {$1200.00} balance. The payment timeline was disrupted during the XXXX crisis, which should have qualified for forbearance per the CARES Act. Yet, no such accommodation was reflected in the credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was marked as a charge-off for a vehicle loan of {$37000.00}. However, no 1099-C form was issued per IRS regulations for debt forgiveness. If charged off, the IRS Form 1099-C must be filed and reported, else the item should be considered unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as charged off for {$3800.00}. I contest the validity of the charges due to identity theft concerns already documented in an FTC report I filed. Despite submitting this report, the account continues to be reported as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows late payments on a {$17000.00} account with no corroborating contract or original creditor documentation. Under 609 ( a ) ( 1 ) of the FCRA, I am entitled to see what specific data is being used to justify this account, which has not been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as a charge-off of {$25000.00}. As with other charged-off accounts, I have not received a 1099-C, nor was I provided clear terms of default. No certified collection attempts were presented before this severe measure was taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This debt collection account for {$950.00} appeared without any prior billing statements, dunning letters, or validation of debt. This violates 809 ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), which mandates debt validation within five days of initial contact. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A collection account reporting {$2100.00} opened in XXXX. I never acknowledged this debt nor received any communication before it appeared on my credit report. It appears to be an unverified debt placed through aggressive secondary collection tactics. 

Request for Relief : I respectfully request that the Consumer Financial Protection Bureau compel the reporting agencies and the original furnishers to : Provide documentation that verifies the accuracy of each account mentioned above. 

Delete or correct any entries that can not be verified or have exceeded the reporting time limits outlined in 605 of the FCRA. 

Issue written confirmation of actions taken in response to this complaint. 

This complaint is submitted in good faith, and I request urgent review and enforcement of my consumer rights.

Company response to consumer: Closed with explanation