Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccuracies on my credit report, including a wrong address and several fraudulent or misreported accounts. Under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, I am entitled to accurate, complete, and verifiable information on my credit file. The reporting of these false items has caused significant financial, emotional, and legal harm, including the denial of loans, higher interest rates, and undue stress. I request immediate CFPB intervention to ensure full reinvestigation, correction, or deletion of all inaccurate items and to hold all responsible parties accountable. 

Account Disputes XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$250000.00} Late Payment * * This account is reporting late payments that are inaccurate and unverified. At the time, I was under financial hardship and properly submitted documents to the lender for mortgage assistance. The lender assured me that my account would be reviewed under loss mitigation programs, but my report still shows late payments without reflecting the assistance process. The FCRA 611 requires deletion of unverifiable or misleading information. The creditor has not produced documentation to confirm these late payments despite my prior request. By reporting this account as delinquent without proof, you are violating my rights and harming my creditworthiness. Since the information can not be substantiated, the derogatory late payments must be permanently removed. 

XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$7300.00} Chargeoff * * This account is shown as a charge-off, but the reporting is misleading and inaccurate. I made partial payments according to an arrangement with the creditor, yet no notice of acceleration or final demand was provided before the charge-off status was reported. Under the Truth in Lending Act and the FCRA, creditors must provide accurate disclosures and retain documentation to justify reporting. The creditor has failed to produce validation of the debt or evidence of proper charge-off procedures. Without proof, this account is unverifiable and must be deleted. Reporting an account as charged off without proper validation is deceptive, misleading, and violates my consumer rights under federal law. 

I respectfully request the CFPB to take immediate action to ensure that all disputed items, including the incorrect address and all unauthorized or inaccurate accounts, are fully investigated, verified, and corrected or removed in compliance with the FCRA. The continued presence of these inaccuracies has caused substantial harm to my financial standing and personal well-being. I ask the CFPB to provide oversight, enforce compliance by all reporting agencies and creditors, and confirm in writing that all corrections have been made. I reserve all rights under the FCRA, including seeking further legal remedies if necessary, to ensure my credit report reflects accurate, complete, and verifiable information.

Company response to consumer: Closed with explanation