Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint due to numerous inaccuracies and harmful entries on my credit report that have caused significant distress, financial damage, and reputational harm. This is my second complaint as my issues remain unresolved. These inaccuracies involve wrong addresses, late payments, collections, and unauthorized hard inquiries, all of which violate federal regulations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), and related statutes. Below are the details : XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00} Late Payment Issue : I dispute the reported late payment. Payments were submitted timely, and I was never provided with a valid late notice. 
Law : FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611 Story : The reporting of a false late payment caused my auto refinance loan to be denied, leading to much higher interest costs. Ive had to explain this error repeatedly to lenders, which is emotionally exhausting. My trust in XXXX XXXX has eroded, and this error is financially punishing me for something I did not do. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Late Payment Issue : This loan was in forbearance status due to financial hardship, and late payments should not have been reported. 
Law : FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( 8 ) Story : I was denied a graduate school financial aid package due to this late payment notation, even though it is over 7 years old and should have aged off. This has delayed my educational and career progress significantly. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Late Payment Issue : Again, this is an outdated and inaccurate reporting of lates, possibly re-aged. 
Law : FCRA 605 ( a ) ( 5 ), 623 ( b ) Story : Due to this derogatory entry, I was disqualified from affordable housing support. The emotional impact of seeing this old data repeatedly surface is devastating and affects both my mental health and professional opportunities. 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late Payment Issue : Payment arrangements were made verbally due to hardship, and XXXX XXXX  agreed not to report lates. 
Law : FCRA 623, FDCPA 809 Story : This late payment damaged my credit score to the point I couldnt qualify for a small business grant. I missed out on expanding my self-employment opportunity and incurred emotional distress.

Unknown Account Acct : XXXX XXXX XXXX XXXX XXXX XXXXce : {$640.00} Collection Issue : I dont recognize this account at all. I never received any bill or notice.

Law : FCRA 609 ( a ) ( 1 ), FDCPA 809 ( a ) Story : This random collection was flagged during a credit screening when applying for a government contract job. It made me look irresponsible and caused extreme embarrassment and anxiety during background verification. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Collection Issue : I was never notified of this debt or account. It suddenly appeared on my credit without any prior contact. 
Law : FDCPA 809 ( a ), FCRA 611 Story : Due to this account, my emergency rental loan was denied, and I was at risk of eviction. This has caused intense stress and personal hardship. It must be removed or validated with full documentation. 
XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$6300.00} Late Payment * * Issue : This appears to be a duplicate of a previous account, reported twice with same balance. 
Law : FCRA 607 ( b ), 602 ( A ) Story : Due to double reporting, my total debt-to-income ratio looks inflated. I was denied a consolidation loan as a result. Ive had to provide written explanations multiple times, which is unfair and humiliating. 
XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$3300.00} Late Payment * * Issue : Likely another duplicate or error in balance splitting. 
Law : FCRA 607 ( b ) Story : This incorrect listing caused my mortgage preapproval to be withdrawn, despite months of planning. My family suffered and had to move into temporary housing, which was financially and emotionally draining. 
XXXX OF XXXX XXXX XXXX on XX/XX/XXXX Issue : I did not give consent for a hard pull. 
Law : FCRA 604 Story : This dealership pulled my credit after I said I was just browsing. I lost XXXX XXXXs without even applying for financing. 
I request that the CFPB conduct a full investigation and hold all data furnishers and credit reporting agencies accountable for their violations. I demand deletion of all incorrect addresses, validation or removal of collection accounts, correction or deletion of incorrect late payments, and removal of all unauthorized hard inquiries. 
These reporting issues have had a direct negative impact on my credit score, ability to obtain housing and employment, and have caused emotional stress, which falls under FCRA 602 ( a ) protection for fairness, accuracy, and privacy of consumer information. 
Please escalate this matter and ensure compliance from the relevant institutions.

Company response to consumer: Closed with non-monetary relief