Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Inaccurate address reporting Law Violated : FCRA 607 ( b ), 611 ( a ) Instruction & Story : This location is unfamiliar to me and was never my place of residence. Its presence may result in confusion or mixed file entries. Please delete this address from my credit file. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late Payment * * Issue : Federal student loan inaccurately showing late Law Violated : Higher Education Act 430A, FCRA 611 ( a ) Instruction & Story : Federal student loan servicers must follow strict reporting rules. This payment was under forbearance at the time and should not have been marked late. Request immediate correction. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Charge Off * * Issue : Invalid charge-off notation Law Violated : FCRA 607 ( b ), 611 ( a ), FDCPA 807 ( 8 ) Instruction & Story : This account was paid and settled. Reporting it as a charge-off after balance was cleared is both misleading and unlawful. Please delete this status. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Late Payment * * Issue : Federal loan incorrectly reported late Law Violated : FCRA 609 ( a ), 611 ( a ), HEA 430A Instruction & Story : Payment was deferred and reporting as late is a serious error. Request complete deletion of derogatory mark. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$5600.00} Late Payment * * Issue : Late payment invalid under deferment Law Violated : Same as above Instruction & Story : This account was in a qualified deferment status. The derogatory mark is inaccurate and must be removed immediately. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$620.00} Late Payment * * Issue : Misreported loan status Law Violated : Same as above Instruction & Story : Another XXXX loan wrongly showing as late during deferment period. These are regulatory violations and must be corrected. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Late Payment * * Issue : Inaccurate delinquency report Law Violated : FCRA 611 ( a ), HEA 430A Instruction & Story : Incorrectly showing late payments under deferment status. I request immediate correction or deletion. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Late Payment * * Issue : Late payment beyond 7-year reporting period Law Violated : FCRA 605 ( a ) ( 5 ) Instruction & Story : This late payment occurred over 7 years ago. It is time-barred and must be removed from the report. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$4700.00} Late Payment * * Issue : Outdated negative information Law Violated : FCRA 605 ( a ) Instruction & Story : This late entry exceeds the legal reporting period. Please ensure it is deleted under law. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Late Payment * * Issue : Delinquency under active deferment Law Violated : FCRA 607 ( b ), HEA 430A Instruction & Story : Loan was deferred and should not be reported as late. Please delete this inaccurate derogatory record. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Late Payment * * Issue : Misreported late payment Law Violated : FCRA 611 ( a ), HEA 430A Instruction & Story : As with the prior, this entry is inaccurate. I was not notified of delinquency and the account was not past due. Delete or correct. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

Company response to consumer: Closed with non-monetary relief