Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
I am submitting this complaint to address multiple inaccuracies and violations on my credit report which are causing severe financial harm and distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting and timely investigation of disputed items. I am exercising my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ) to request a thorough reinvestigation and correction of all erroneous information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX  This account incorrectly shows a late payment. FCRA 15 U.S.C. 1681i ( a ) requires that any disputed information be verified. My payment records indicate all payments were made on time, and the reporting of a late payment is false. Misreporting affects my creditworthiness and potential borrowing opportunities. Previous disputes have been ignored, which violates federal law. XXXX with the creditor must be conducted before reporting. I request deletion or correction of this inaccurate late payment. The false reporting is misleading and harms my financial reputation. Written confirmation of the correction is required. Failure to comply violates the FCRA. Accurate reporting is mandatory to protect consumers. I demand full reinvestigation per federal standards. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} XXXX XXXX  The reported late payment on this account is false and violates FCRA 15 U.S.C. 1681i ( a ). I have complete records showing timely payments. Reporting unverified negative information misleads creditors and adversely impacts my credit score. Prior disputes have not resulted in correction, which is negligent. The credit bureau must verify the information with XXXX before continuing to report. Failure to do so is unlawful. The false late payment harms my credit applications. I demand deletion or accurate reporting immediately. XXXX documentation must be provided. The reporting agency is legally required to correct errors. Reinvestigation must comply fully with the FCRA. Written confirmation is required upon correction. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  This account inaccurately shows a late payment, violating FCRA 15 U.S.C. 1681i ( a ). I have reviewed all records and confirmed that payments were made timely. False reporting of late payments misleads creditors and negatively affects my credit profile. Previous disputes have been ignored. The credit bureau must contact the creditor to verify information before reporting adverse data. Maintaining false negative entries is unlawful. I demand immediate correction or deletion of this account. Written confirmation of accurate reporting is requested. Failure to comply is a violation of my rights. Proper reinvestigation is required by law. I expect full compliance and documentation. 

I demand that all disputed items be fully investigated, corrected, or removed as required under 15 U.S.C. 1681i and 1681e ( b ). Failure to comply constitutes a continued violation of the FCRA and causes ongoing financial harm. I request CFPB intervention to ensure all corrections are made promptly and that my credit report accurately reflects my credit history.

Company response to consumer: Closed with explanation