Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, incomplete, and legally non-compliant credit reporting entries that are currently appearing on my credit file. These inaccurate reports have caused me significant financial harm, denial of credit opportunities, and undue emotional distress. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable Bankruptcy protections under Federal law are upheld.

Accounts in Dispute : XXXX XXXX Account # XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$560.00} Reported Late Payment * * This account reflects late payment reporting within an unreasonably short timeframe. Under the FCRA, furnishers must ensure maximum possible accuracy ( 15 U.S.C. 1681s-2 ). Reporting late payments prematurely or inaccurately violates this requirement. 

XXXX Account # XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$590.00} Reported Late Payment * * Similar to the above, this reporting appears inconsistent with the accounts age. Reporting a delinquency immediately after opening is misleading and inaccurate under the FCRA. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$0.00} Reported Late Payment * * An account showing a {$0.00} balance should not continue reporting derogatory marks. This violates accuracy standards under the FCRA. 

XXXX Account # XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} Reported as Charge Off * * An account with no outstanding balance can not be simultaneously reported as charged off. This is contradictory and misleading under 15 U.S.C. 1681e ( b ). 

XXXX Account # XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$0.00} Reported as Charge Off * * The continued reporting of a {$0.00} balance account as charged off misrepresents my credit history and violates the FCRAs requirement of accuracy. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$810.00} Collection Account * * This collection account has not been properly validated under the FDCPA ( 15 U.S.C. 1692g ). I dispute its legitimacy and request full validation. 

XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$0.00} Reported as Charge Off * * Reporting a {$0.00} balance charge-off years later is inaccurate and harmful. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} Reported as Charge Off * * Same issue as above. This account misleads lenders by showing derogatory status with no balance.

Bankruptcy Issue : Bankruptcy Reference # XXXX Federal Court This bankruptcy was discharged, yet certain accounts continue reporting as active derogatory tradelines. Under Federal Bankruptcy Law, post-discharge derogatory reporting constitutes a violation of the discharge injunction and the FCRAs accuracy requirements.

Hard Inquiries : The following inquiries were reported without my full authorization or legitimate purpose under FCRA 604 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were either unauthorized, duplicative, or performed without permissible purpose. Under the FCRA, only inquiries with a permissible purpose ( such as consumer-initiated applications ) may remain.

Requested Relief : I respectfully request that the CFPB investigate these matters and take appropriate action to ensure compliance with federal law. Specifically, I request : Immediate removal or correction of all inaccurate late payments, charge-offs, and collection accounts that violate FCRA and FDCPA provisions.

Removal of all unauthorized and duplicative hard inquiries that were made without a permissible purpose.

Correction of post-bankruptcy reporting to reflect accurate discharge status and compliance with federal protections.

Assurance that furnishers and credit reporting agencies maintain accurate and fair reporting practices moving forward.

Company response to consumer: Closed with non-monetary relief