Consumer complaint received 2025-08-21 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:
To Whom It May Concern, I am submitting this formal complaint against XXXX  regarding serious inaccuracies and mishandling of accounts being reported under my credit file. I have made repeated attempts through proper dispute channels, yet XXXX  has failed to conduct a lawful, thorough reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), specifically 609 and 611. These laws guarantee consumers the right to accurate, fair, and verifiable reporting, and when credit bureaus fail to meet these standards, the consequences are deeply damaging. 
For months, I have been forced to carry the burden of inaccurate late payments, questionable charge-offs, and unauthorized inquiries on my XXXX  report. These errors have caused significant harm to my creditworthiness, resulting in denials for credit opportunities, higher interest rates, and emotional stress. Despite providing clear disputes and evidence, XXXX  continues to verify accounts without producing proper documentation from the furnishers of information. This is a direct violation of my rights under FCRA 611, which requires that only accurate and verifiable data be maintained. 
Below are the specific accounts XXXX  is mishandling : Accounts in Dispute : XXXX. XXXX XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3700.00} | Status : Late Payments * * XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4400.00} | Status : Late Payments * * XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3400.00} | Status : Late Payments * * XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4200.00} | Status : Late Payments * * XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Status : Late Payments * * XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$7300.00} | Status : Late Payments * * XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$4400.00} | Status : Late Payments * * XXXX. XXXX XXXX # XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX | Balance : {$4500.00} | Status : Late Payments * * XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$2700.00} | Status : Late Payments * * XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4700.00} | Status : Charge Off * * XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX | Type : Inquiry ( Unauthorized ) XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX | Type : Inquiry ( Unauthorized ) Story and Legal Grounds : The repeated late payments reported under the XXXX XXXX accounts are inaccurate and misleading. These accounts have been duplicated and reported multiple times, making it appear as if I have far more delinquencies than actually exist. This violates FCRA 607 ( b ), which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. Reporting duplicate tradelines and unverifiable late payments inflates negative history and damages my credit unfairly. 
The XXXX XXXX   charge-off has been verified by XXXX  multiple times, yet no original documentation or contract has been provided to prove its validity. Under FCRA 611 ( a ) ( 5 ) ( A ), if a furnisher can not provide verifiable evidence, the bureau must delete the account. Continuing to report unverifiable information is a willful violation of the law. 
The XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX were unauthorized. I did not apply for credit with XXXX XXXX on those dates, nor did I granXXXX permission for such inquiries. Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a report for permissible purposes. Allowing unauthorized inquiries directly violates this section and further harms my credit profile by lowering my score unfairly. 
Conclusion and Relief Sought : I have given XXXX XXXXultiple opportunities to correct these issues, yet they continue to report inaccurate and unverifiable information. Their failure to comply with FCRA 611 reinvestigation requirements shows a disregard for consumer rights. These actions have caused me financial loss, denial of fair credit opportunities, and undue hardship. 
I am demanding that XXXX immediately : 1. Delete the duplicate and inaccurate XXXX XXXX late payment accounts. 
XXXX. Remove the unverifiable XXXXXXXX XXXX charge-off. 
XXXX. Permanently delete the unauthorized XXXX XXXX inquiries. 
If XXXX  continues to ignore my rights under federal law, I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure compliance. Consumers should not be forced to live with fabricated late payments, unverifiable charge-offs, or unauthorized inquiries. 
I am requesting immediate resolution, deletion of the disputed items, and written confirmation of corrections.

Company response to consumer: Closed with non-monetary relief