Consumer complaint received 2025-06-07 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: NC

Complaint narrative:
CFPB COMPLAINT - CREDIT REPORT DISPUTE Consumer : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX Complaint filed against the following Credit Reporting Agencies : - TransUnion - Experian - Equifax Nature of Complaint : This formal complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate, outdated, and/or unverifiable accounts listed below that are currently being reported by the major credit bureaus. Despite previous attempts to resolve these disputes directly, the inaccuracies remain. I am requesting a full investigation and permanent removal of the erroneous entries. 
Detailed List of Disputed Accounts : Creditor : XXXX XXXX XXXX  Status : Open - Late 60 Days Details : {$90.00} Past Due | 129 % Utilization | Last Reported : XX/XX/XXXX | Last Payment : XX/XX/XXXX Creditor : XXXX XXXX Status : Open - Late 60 Days Details : {$240.00} Past Due | Balance : {$2200.00} | Last Payment : XX/XX/XXXX Creditor : XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) Status : Closed - Late 90 Days Details : {$100.00} Past Due | Balance : {$380.00} | Closed by XXXX Creditor : XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : Closed - Late 120 Days Details : {$160.00} Past Due | Balance : {$480.00} | Closed by XXXX Creditor : XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : Closed - Late 150 Days ( Experian ), 120 Days ( others ) Details : {$330.00} Past Due | Balance : {$1600.00} Creditor : XXXX  Status : Closed - Late 150 Days Details : {$430.00} Past Due | Balance : {$480.00} Creditor : XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : Closed - Late 120 Days Details : {$190.00} Past Due | Balance : {$650.00} Creditor : XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) Status : Closed - Late 90 Days Details : {$340.00} Past Due | Balance : {$2800.00} Creditor : XXXX ( Equifax ) XXXX : Charge-off Details : Transferred or sold Creditor : XXXX ( Experian ) Status : Late 180 Days Details : - Creditor : XXXX Status : Charge-off Details : {$1900.00} High Credit | Sold to XXXX XXXX  : XXXX  Status : Charge-off Details : {$690.00} Balance | $ XXXX Past Due Creditor : XXXX  XXXX XXXX ( Progressive ) Status : Collection - Disputed Details : {$620.00} Balance | Debt unsatisfied Creditor : XXXX  ( Equifax ) Status : Charge-off Details : {$1200.00} High Credit | Last Payment : XX/XX/XXXX XXXX : XXXX  ( XXXX - Equifax ) Status : Closed - 30 Days Late Details : - I am formally requesting that the CFPB investigate these matters and require the credit bureaus to remove the above accounts from my credit file where appropriate. These accounts are damaging my credit reputation and do not accurately reflect my credit history. 
Attached are supporting affidavits and documentation to substantiate my dispute claims. 
Respectfully submitted, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief