Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies, late payments, charge-offs, and collections reported on my credit report. These reporting errors are causing severe harm to my creditworthiness, financial stability, and emotional well-being, and violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), which requires credit reporting agencies and furnishers to report accurate and complete information. I am requesting immediate investigation, correction, and removal of these inaccurate entries. 
XXXX XXXX XXXX * * * * * * * * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment XXXX XXXX  This account is reported with late payments which are inaccurate. According to FCRA 1681s-2 ( a ), a furnisher must not report information they know or have reason to know is inaccurate. I have maintained consistent payments and have records proving timely payment. The false late payment reporting has caused unnecessary stress, prevented me from applying for loans, and harmed my credit score. The repeated misreporting reflects negligence by the creditor and has made it difficult for me to manage my financial obligations effectively. I demand that these late payments be removed and my payment history corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Late Payment XXXX XXXX  Similar to the above, this account has been reported with erroneous late payments. I have always paid on time, and these false entries have caused confusion, rejection of credit applications, and emotional distress. The repeated errors by the lender show a lack of proper internal verification before reporting to credit bureaus. These inaccuracies make it appear that I am financially unreliable, which is untrue and damaging to my reputation. I request immediate correction of this account and removal of all false late payment entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Charge Off * * This account has been reported as a charge-off inaccurately. Under FCRA 1681i, I have the right to dispute incomplete or inaccurate information, and XXXX is required to investigate. I have always made my payments and have documentation showing no default occurred. Reporting this charge-off has caused my credit score to drop unnecessarily, affected my ability to obtain affordable loans, and caused me significant financial stress. I demand the immediate removal of this charge-off and correction of my account status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$31000.00} Late Payment XXXX XXXX  This account reflects late payments that I dispute. The Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and FCRA require accurate reporting. I have consistently paid this account on time, and the reported late payments are false. These inaccuracies have prevented me from refinancing my home and obtaining necessary credit, causing both financial and emotional hardship. The erroneous reporting demonstrates negligence by the lender in verifying accurate data before submission to credit bureaus. I request immediate investigation and correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Late Payment XXXX XXXX  The late payment reporting for this account is inaccurate. FCRA 1681s-2 ( a ) obligates the lender to ensure reported information is correct. My records prove timely payment, yet this false information has caused repeated loan denials and stress in managing my financial affairs. It also misrepresents my financial reliability to potential creditors. I demand the deletion of these inaccurate late payment entries and correction of my account status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Late Payment XXXX XXXX  This account shows late payments that are factually incorrect. The repeated reporting of false late payments is damaging to my credit profile and violates FCRA 1681s-2 ( a ). The incorrect reporting has affected my ability to rent an apartment, obtain competitive loan rates, and created undue stress and anxiety. Immediate correction and removal of these inaccuracies are necessary to restore my financial credibility. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charge Off XXXX XXXX  This account has been reported as a charge-off incorrectly. FCRA 1681i and FDCPA 1692 require furnishers to investigate and report accurately. I have never defaulted on this account, and the charge-off has caused a decrease in my credit score, higher interest rates on loans, and repeated rejections for financial products. The misreporting is unjust and harmful. I request immediate removal of this charge-off and correction of all related records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} Late Payment * * The reported late payments on this account are inaccurate. Misreporting these payments violates my rights under FCRA 1681s-2 ( a ) and causes severe financial harm, including denial of credit, higher loan costs, and reputational damage. I have proof of timely payments and request that these inaccuracies be corrected immediately. 
DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment XXXX XXXX  This account is reported with late payments which are entirely inaccurate. I have maintained consistent, timely payments throughout this period. The false reporting has caused repeated denials for personal loans and student loan refinancing, created confusion in my financial planning, and caused significant emotional stress. I have documentation proving on-time payments, and the continued misreporting reflects negligence on the lenders part. This has led to a direct financial impact, including increased interest rates and difficulty securing affordable credit, and must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Collection XXXX XXXX  This account has been inaccurately reported as a collection. I have never been notified or received verification of this alleged debt. The incorrect reporting has caused loan applications to be denied and created undue anxiety and financial insecurity. The false collection has affected my ability to rent housing and obtain essential credit products, resulting in both financial and personal disruption. Under FCRA 1681i, I have the right to dispute inaccurate information, and I demand immediate removal of this false entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Opened : XX/XX/XXXX Balance Owed : {$190.00} Collection XXXX XXXX This account has been reported as a collection incorrectly. I have no record of delinquency, and the false reporting has created unnecessary barriers to securing financial assistance. This misreporting has also caused repeated follow-up communications from creditors questioning my creditworthiness, resulting in embarrassment, stress, and wasted time managing disputes. I request immediate correction and deletion of this erroneous entry. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$990.00} XXXX XXXX XXXX This account is inaccurately reported as a collection. The reporting has prevented me from obtaining essential credit products, including auto loans and credit cards, and has caused significant stress and anxiety. I dispute this reporting because I have consistently met my obligations. The false collection entry is misleading to potential lenders and employers conducting credit checks, harming my reputation and limiting financial opportunities. I demand immediate removal and correction. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charge Off XXXX XXXX This account has been reported as a charge-off erroneously. I have documentation proving timely payments, and no default occurred. The false charge-off has resulted in higher interest rates on loans, rejection of applications for essential financial services, and severe stress and anxiety. This inaccurate reporting has also affected my confidence in managing my finances and planning future obligations. Immediate removal and correction are necessary. 
I request that the CFPB thoroughly investigate these accounts, enforce corrections, and ensure that all inaccurate, duplicate, or damaging entries are removed or corrected. The continued presence of these errors on my credit report is causing financial harm, stress, and unjust obstacles to my financial stability. I expect a resolution in compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief