Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this formal complaint requesting an immediate investigation into multiple inaccurate and unlawful credit reporting activities being conducted by the furnishers and the credit reporting agencies. These inaccuracies are causing significant harm to my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 602, 607 ( b ), 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ). 

XXXX. Inaccurate Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$7600.00} Status Reported : Late Payment This late payment information is 100 % inaccurate and false. 
I have never made a late payment on this account, and the furnisher has failed to provide any documentation establishing the accuracy of this negative information. Reporting unverified or false late payments violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is known or believed to be inaccurate.

I am demanding immediate reinvestigation and removal of all incorrect late payment reporting. 

XXXX. Incorrect Charge-Off Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$740.00} Status Reported : Charge-Off This is being reported as a charge-off, yet I have no knowledge of this account ever being delinquent or charged off. 
This account is being inaccurately furnished, and XXXX XXXX has failed to verify the alleged charge-off status. Furnishing unverifiable negative information violates FCRA 623 ( a ) ( 1 ) ( A ). 

I am demanding deletion of this account from my credit report due to its inaccurate and unverified status. 

XXXX. False Late Payment Reporting XXXX XXXX XXXX XXXX Account : XXXX ) Open Date : XX/XX/XXXX High Balance : {$23000.00} Status Reported : Late Payment I dispute this reporting because I have never made a late payment on this account. 
The furnisher has failed to provide any proof of delinquency. 
This false negative reporting is a direct violation of FCRA 607 ( b ), which requires maximum accuracy in consumer reporting.

I request that all inaccurate late payment data be removed immediately.

REQUEST FOR ACTION Under FCRA 611, I am requesting that CFPB : Conduct a full investigation into these furnishers and the credit reporting agencies for failing to maintain accurate information. 

Require the furnishers to provide full validation and documentation for each negative entry. 

Order the deletion or correction of all inaccurate items that can not be verified with documented proof. 

Hold the furnishers accountable for providing unverified or knowingly inaccurate information. 

These inaccuracies are causing substantial damage to my financial reputation, creditworthiness, and ability to obtain fair credit opportunities. 

CERTIFICATION I certify that the information provided in this complaint is true, accurate, and complete to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief