Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies reported on my credit file, as provided to your bureau. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be inaccurate, incomplete, or misleading. Upon thorough review of my credit report, I have identified numerous erroneous late payment notations, incorrect account statuses, and unauthorized inquiry. Each of these items has caused, or has the potential to cause, significant harm to my creditworthiness and financial reputation. I am requesting a detailed investigation into each disputed item and immediate correction or deletion of all inaccuracies, in accordance with my rights under FCRA Sections 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), and 611 ( a ) ( 6 ). Regarding my XXXX accounts, there are multiple entries showing late payments of 120 days in XX/XX/XXXX and 90 days in XX/XX/XXXX, which are entirely inaccurate. For instance, the account ending in XXXXXXXX XXXX XXXX with a balance of {$5400.00} ( opened XX/XX/XXXX ) * * reflects these delinquencies despite my payment records showing all payments were made on time. Similarly, the accounts with balances of {$8300.00} ( opened XX/XX/XXXX ) and {$4400.00} ( opened XX/XX/XXXX ) reflect the same erroneous late payment history. It is impossible for multiple accounts to share the exact same late payment dates, which strongly indicates a reporting error. Additionally, accounts XX/XX/XXXX with {$6100.00} and XX/XX/XXXX with {$10000.00} repeat the same late payment dates, contradicting my bank statements. I request that your bureau provide the verification documents that allegedly substantiate these late payments, as required under FCRA Section 611 ( a ) ( 1 ), and remove any entries that can not be validated. Furthermore, additional XXXX accounts continue this pattern of inaccuracies. Accounts with balances of {$6900.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$4400.00} ( XX/XX/XXXX ), {$1200.00} ( XX/XX/XXXX ), {$9200.00} ( XX/XX/XXXX ), {$6900.00} ( XX/XX/XXXX ), {$9400.00} ( XX/XX/XXXX ), and {$6800.00} ( XX/XX/XXXX with last payment XX/XX/XXXX ) all show identical late payment dates of XX/XX/XXXX and XX/XX/XXXX, which is factually impossible based on my actual payment history. These repeated reporting errors appear to be the result of systemic misreporting, and I insist on a thorough reinvestigation of each account. Failure to accurately report these accounts constitutes a violation of my rights under FCRA Sections 611 ( a ) ( 5 ) and 611 ( a ) ( 6 ). I also request that any accounts that can not be verified in writing be deleted entirely from my credit report. Additionally, my XXXX XXXX XXXX account ( XXXX XXXX XXXX ) * * is inaccurately reported as Late Closed. This account was closed with a XXXX balance, and there were no delinquencies at the time of closure. Reporting this account as late closed is misleading and harmful to my credit profile. This is a clear violation of FCRA Section 607 ( b ), which mandates that information reported must be accurate and complete. The continued misreporting of this account demonstrates a pattern of negligence that requires correction. Lastly, an unauthorized inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX appears on my credit report. I did not provide authorization for this inquiry, making it an impermissible credit pull under FCRA Section 604 ( a ). Unauthorized inquiries damage my credit score and are considered illegal if conducted without proper written consent. I request that this inquiry be removed immediately and that written confirmation of its removal be sent to me.

Company response to consumer: Closed with non-monetary relief