Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and unauthorized items being reported on my credit report by [ Credit Bureau Name ] and various creditors/loan servicers. These items violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported to credit reporting agencies be accurate, complete, and verifiable. 
XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$700.00} Charge Off I have no record or knowledge of this account. It is inaccurately reported as a charge-off. Reporting unverifiable accounts violates 15 U.S.C. 1681s-2 ( b ). I demand that this item be removed immediately from my credit file. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account incorrectly lists late payments. I have never missed any payment on this account. According to FCRA 1681i ( a ) ( 1 ) ( A ), I am disputing this inaccurate reporting and request that my payment history be corrected to reflect accurate information. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment status is incorrect. I have a verified payment history and have consistently met all obligations. Reporting false delinquencies violates my rights under FCRA 1681i ( a ) and damages my creditworthiness. I demand correction. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account wrongly reflects late payments. I request an immediate review and correction in compliance with FCRA 1681i. Accurate reporting of my payment history is required by law. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I dispute the late payment reporting as inaccurate. This account has no late payments, and reporting otherwise is a violation of FCRA 1681i ( a ). I request this be corrected without delay. 
XXXX  XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This late payment entry is false. I have maintained timely payments. In accordance with FCRA 1681i, I demand the account history be corrected immediately. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never been late on this account. The current reporting is inaccurate and violates my rights under FCRA 1681i. Please update my account to reflect accurate payment history. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment status is inaccurate. I have a verified record showing timely payments on this account. Reporting false delinquencies violates FCRA 1681i ( a ) and adversely impacts my creditworthiness. Immediate correction is demanded. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account incorrectly lists late payments. I request a thorough investigation and correction to reflect my accurate payment history as required under 15 U.S.C. 1681i ( a ).

XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I dispute the reported late payments. All obligations were met on time. False reporting violates my rights under FCRA 1681i ( a ). I demand immediate correction. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment reporting on this account is inaccurate. I have no record of late payments. FCRA 1681i ( a ) requires accurate reporting; please update my account history accordingly. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account falsely reflects late payments. I request correction in compliance with FCRA 1681i ( a ). Accurate reporting is legally required. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never been late on this account. Reporting otherwise is a violation of my rights under FCRA 1681i ( a ). Immediate correction is requested. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account is inaccurately reported as late. I demand correction to reflect the verified payment history under FCRA 1681i ( a ). 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The reported late payment status is false. FCRA 1681i ( a ) requires that my payment history be corrected to reflect accurate information.

Requested Resolution : 1. Investigate each item thoroughly.

2. Correct all inaccurate late payments to reflect my verified payment history.

3. Delete all unverifiable charge-offs and accounts not associated with me.

4. Remove all incorrect addresses from my credit file.

5. Delete all unauthorized hard inquiries.

6. Provide written confirmation of all corrections or deletions.

I assert my rights under the FCRA to ensure my credit report is accurate and complete. Continued reporting of inaccurate or unauthorized information may result in further legal action.

Company response to consumer: Closed with non-monetary relief