Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, duplicate, and unverifiable accounts that are being reported on my credit file. These accounts contain late payments, charge-offs, and collections that are harming my credit standing. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), I have the right to accurate and verifiable information on my credit reports. The following accounts violate these laws and must be investigated : XXXX XXXX ( Account : XXXX | High Balance : {$650.00} | Date Opened : XX/XX/XXXX ) Issue : Reported with late payments. 
Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) requires maximum possible accuracy and correction of errors. 
Story : XXXX XXXX has reported late payments that I strongly dispute as inaccurate. During the period of the alleged late payments, I made consistent efforts to keep this account in good standing. Some of the late marks may stem from internal system errors or delays in posting payments. By reporting these inaccurately, XXXX XXXX has created a negative impact on my creditworthiness, making it difficult to qualify for fair credit terms. This is a direct violation of my rights under the FCRA. 
XXXX XXXX ( Account : High Balance {$66.00} | Date Opened : XX/XX/XXXX ) Issue : Reported with late payments. 
Law : FCRA 609 ( A ) requires furnishers to provide full and accurate records if disputed.

Story : This account is a small balance credit builder account, and the reporting of late payments is misleading and disproportionate. I maintained regular activity, and any alleged late reporting is inaccurate and unverifiable. Even a minor balance account being marked late can unfairly reduce my credit score, which is against the purpose of a credit-builder program. This shows that the reporting lacks fairness and accuracy as required by law. 
XXXX ( Account : XXXX | High Balance : {$19000.00} | Date Opened : XX/XX/XXXX ) Issue : Reported as charge-off. 
Law : FDCPA 809 ( B ) requires proper debt validation upon dispute ; FCRA 623 ( A ) ( 1 ). 
Story : XXXX XXXX has reported this auto loan as a charge-off without properly validating the debt. I requested verification of payments, payoff records, and proper account history, but I have not received full documentation. Reporting a charge-off without sufficient validation misleads other lenders and severely harms my ability to obtain financing. This violates both the FDCPA and FCRA. 
XXXX  ( Account : XXXX | High Balance : {$960.00} | Date Opened : XX/XX/XXXX ) Issue : Reported as collection. 
Law : FDCPA 807 ( 8 ) prohibits communicating credit information known to be false ; FCRA 611 ( A ). 
Story : XXXX XXXX has placed this debt into collection, but I dispute the validity of the alleged debt. XXXX has a history of purchasing debts without full documentation. I requested verification, but no complete records were provided. Reporting this as a valid collection without proper validation is deceptive and unlawful. 
XXXX  ( Account : XXXX | High Balance : {$400.00} | Date Opened : XX/XX/XXXX ) Issue : Reported as collection. 
Law : FCRA 607 ( B ) ; FDCPA 809 ( B ).

Story : This account is reported as a collection without adequate proof that I owe this balance. No original creditor documents, billing statements, or signed agreements have been provided to me. Reporting unverifiable accounts violates the FCRA requirement of maximum possible accuracy. 
Summary : These accounts are inaccurate, duplicative, and unverifiable. They violate the FCRA and FDCPA, and they are causing severe harm to my credit standing, financial opportunities, and peace of mind. I request that the CFPB investigate and require immediate correction or removal of these accounts.

Company response to consumer: Closed with explanation