Consumer complaint received 2025-06-16 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: RI

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and data furnishers due to the continued reporting of inaccurate, unverifiable, and legally non-compliant information on my consumer credit file. Despite my previous written disputes and requests for proper investigation and documentation as required by federal law, the following derogatory items remain unresolved. 

This ongoing negligence by the furnishers and credit bureaus violates my rights under the Fair Credit Reporting Act ( FCRA ), causes financial hardship, emotional distress, and impairs my ability to obtain credit, housing, and employment. 

XXXX. XXXX XXXX XXXX XXXX # XXXX Problem : This account is reporting multiple late payments without any substantiated evidence or proper documentation. I have repeatedly requested verification under FCRA 609 ( a ) ( 1 ), yet no such documentation has been furnished by the creditor or bureau.

Law Violated : Reporting of unverified and inaccurate late payments is a direct violation of FCRA 611 and 602 ( A ), which require credit data to be fair, accurate, and substantiated.

Impact : These repeated delinquencies are severely damaging my credit profile and are being reported without any legal proof or consumer communication records. 

XXXX. XXXX XXXX XXXX XXXX # XXXX Problem : This account is reported as a charge-off, yet the balance is inaccurate, and there is no documentation provided to support the claim. Moreover, this account appears again as a separate listing ( see next item ), constituting duplication. 

Law Violated : Inaccurate reporting and duplicative data violate FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ), which require accurate and non-redundant reporting.

Impact : This reporting misleads potential lenders and double-penalizes me, reducing my creditworthiness unfairly. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Problem : This listing is a duplicate of the above XXXX XXXX charge-off. The same debt is reported twice, giving the false impression of greater indebtedness and delinquency.

Law Violated : This duplication is misleading and constitutes a willful violation of FCRA 623 ( a ) ( 5 ) and FCRA 602 ( b ), causing unnecessary damage to my credit report.

Impact : This false reporting is obstructing my access to fair lending opportunities and contributes to an artificially deflated credit score. 

XXXX. XXXX XXXX XXXX  # XXXX ( Second Entry ) Problem : This appears to be a duplicate entry of the earlier XXXX XXXX XXXX  account with conflicting dates. Reporting the same account twice with different histories is highly deceptive and inaccurate. 

Law Violated : Violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) by failing to maintain the maximum possible accuracy and misleading the public record. 

Impact : This results in double negative scoring impact and confuses the true state of my financial profile. XXXX XXXX XXXX XXXX # XXXX Problem : This account lists late payments, but I was never properly notified of any delinquency. I requested billing history and proof of default, and none was provided.

Law Violated : Violates FCRA 611 ( failure to reinvestigate and verify ) and FCRA 623 ( a ) ( 8 ) ( duty to investigate upon consumer notice of dispute ).

Impact : My rights as a consumer are being ignored, and my credit standing is being harmed without due process.

Unauthorized Hard Inquiries The following hard inquiries were made without my knowledge, authorization, or a permissible purpose under FCRA 604 ( a ) ( 3 ). I never applied for credit, financing, or services from these entities on or around the dates listed. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law Violated : These inquiries violate FCRA 604 ( a ) and 616, which prohibit accessing a consumer report without explicit written consent or permissible purpose. 

Impact : These unauthorized inquiries are damaging my credit score, and unless the furnishers can provide a signed credit application or valid authorization, they must be permanently removed. 

What would be a fair resolution to this issue? 

I demand that the CFPB initiate a full investigation into these matters and require the credit bureaus and furnishers to : Immediately remove all duplicate accounts and unverifiable late payments. 

Provide documented evidence of any alleged delinquencies or charge-offs within the 30-day dispute window.

Delete all unauthorized inquiries unless signed applications or permissible purpose proof is submitted. 

Issue written confirmation of all corrections and deletions made to my credit file. 

Failure to resolve these violations would be seen as continued non-compliance with federal law and a denial of my rights as a consumer. I reserve the right to escalate this matter through additional legal and regulatory channels, including filing complaints with the FTC and seeking legal counsel for damages under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief