Consumer complaint received 2025-07-11 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 writing to you for the seventh time regarding several inaccurate, misleading, and unverifiable entries on my Equifax credit report. Despite my previous disputes and efforts to resolve these issues amicably, Equifax continues to report false and damaging information that is in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ). Your failure to remove or correct these items reflects non-compliance with federal law and continues to negatively impact my financial profile and opportunities. Below, I have detailed the disputed items, legal citations, and my personal experience with each. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$7400.00} | Status : Late Payments Issue : Late payments reported during an active XXXX hardship accommodation. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) ; CARES Act 4021 Story : I was granted a deferment on this student loan due to pandemic-related hardship. Despite this agreement, Equifax continues to report missed payments for this period. Under the CARES Act, such accommodations must not be reported as delinquent. The continued listing of these late payments is not only factually inaccurate but also in direct violation of federal protection laws. I demand full correction or deletion of this tradeline. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$5800.00} | Status : Late Payments Issue : Inaccurate late payment reporting under forbearance. 
Law : FCRA 607 ( b ) ; FCRA 623 ( a ) ( 1 ) ( B ) ; CARES Act 4021 Story : Similar to the above account, I was enrolled in a formal hardship plan and was assured that no negative payment history would be reported during this period. Nonetheless, Equifax has continued to publish harmful and misleading delinquencies on this account, in violation of both FCRA and CARES Act protections. I request immediate removal of the derogatory entries. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$6300.00} | Status : Late Payments Issue : Late payments during deferment still reported. 
Law : FCRA 611 ( a ) ; FCRA 602 ( A ) Story : This account has been disputed multiple times without proper resolution. I was under a deferment agreement and should not have been reported late. Ive provided supporting information previously, yet Equifax continues to ignore my rights and the facts. The inaccuracy of this entry is well-documented, and I demand its deletion under federal law. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$700.00} | Status : Late Payments Issue : Delinquencies reported despite deferral status.

Law : FCRA 623 ( a ) ( 1 ) ( A ) ; 607 ( b ) Story : This low-balance student loan account should have been listed as current during my school-related deferment. Equifax has chosen to ignore this key fact and has allowed inaccurate negative marks to remain on my report. I demand this account be updated to reflect accurate payment history or removed completely. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$700.00} | Status : Late Payments Issue : Duplicate reporting with the previous entry. 
Law : FCRA 607 ( a ) ; 604 ( b ) Story : This appears to be a duplicate listing of the same {$700.00} loan, and both accounts are showing identical late payment patterns. Duplicate tradelines distort the credit report and unfairly penalize the consumers credit score. I request that this duplicative tradeline be immediately deleted. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$4700.00} | Status : Late Payments Issue : Reported lates do not match actual loan records. 
Law : FCRA 623 ( b ) ; 611 ( a ) Story : This tradeline continues to reflect derogatory payment history that does not align with my account records. I previously submitted a dispute with proof, and Equifax failed to properly investigate. Repeated disregard of documented inaccuracies is a clear violation of your reinvestigation duty under the FCRA. 

XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$2500.00} | Status : Collection Issue : This debt is not mine and remains unverified. 
Law : FCRA 609 ( a ) ( 1 ) ; FDCPA 809 ( b ) Story : I have no knowledge or relationship with XXXX XXXXXXXX XXXX XXXX XXXX XXXX I never leased from this entity nor received services from them. I formally requested verification of this debt, which was never provided. Continued reporting of this account without proper validation is a violation of both the FCRA and FDCPA. I request full removal. 

XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA 604 ( a ) ( 3 ) ; 604 ( c ) ( 1 ) ( A ) Story : I never authorized XXXX to pull my credit report. This inquiry appeared without a corresponding credit application or my written consent. I demand deletion of this inquiry due to lack of permissible purpose and proper authorization. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is not my address and never has been. 
Law : FCRA 607 ( b ) ; 602 ( A ) Story : I have never resided at this location. Its presence on my report increases the risk of identity confusion and inaccurate reporting of future accounts. This entry is misleading and must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : I have no association with this address. 
Law : FCRA 611 ( a ) ; 602 ( A ) Story : This address does not belong to me and reflects a serious inaccuracy in your data management. Leaving it on my file exposes me to fraudulent linkage and misrepresentation. Please delete this immediately to ensure compliance and protect my credit identity. 

Final Demand for Action : As a consumer, I have the right to accurate, verifiable, and fair reporting of information under FCRA Section 602 ( A ). I demand that Equifax conduct a full and proper reinvestigation under FCRA 611 ( a ) and provide written confirmation within 30 days. Any failure to act will result in an immediate complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, and any additional legal actions necessary to protect my rights.

Company response to consumer: Closed with non-monetary relief