Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
Subject : Urgent Request for Removal of Inaccurate Negative Items on My Credit Report under FCRA Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint to address several inaccuracies on my credit report regarding accounts that have been marked as potentially negative. These items are completely unjustified and violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite taking proactive measures and following the proper procedures, these accounts are inaccurately reported, and I am requesting immediate action to have them removed. 

Here are the details of the accounts and actions taken : XXXX Account : XXXX Balance : {$1000.00} Balance Updated : XX/XX/year> Actions Taken by Me : I have consistently made payments, ensuring my balance was being reduced regularly. 

Issue : Despite my payments, the balance was reported as potentially negative with no legitimate reason. There has been no communication or explanation from the company regarding why this item is marked negatively. This constitutes an unfair and damaging misreporting of my account status. 

XXXX XXXX Account : XXXX Balance : {$3500.00} Balance Updated : XX/XX/year> Actions Taken by Me : I have made regular payments according to the terms of my agreement, with no missed payments or late fees. 

Issue : The account was updated to show a potentially negative status without any valid justification. I have made every effort to stay current on this account, and there has been no communication or action from XXXX XXXX that would justify this reporting. 

XXXX Card Account : XXXX Balance : {$6500.00} Balance Updated : XX/XX/year> Actions Taken by Me : Payments have been made regularly and in accordance with the terms, with no issues or late payments on my end. 

Issue : The account was updated to show a potentially negative balance, despite my consistent efforts to maintain the account in good standing. There was no valid reason for the company to report this account negatively. 

XXXX Card Account : XXXX Balance : {$6400.00} Balance Updated : XX/XX/year> Additional Action Taken : I have also disputed these items with Equifax on multiple occasions. Each time, Equifax responded by stating that the items were verified. However, they have failed to provide any proof or detailed steps taken to verify the accuracy of these negative entries. As per the Fair Credit Reporting Act ( FCRA ), they are required to demonstrate the steps taken to verify the information, and their failure to do so constitutes a violation of my rights.

Equifaxs inability to substantiate these negative items further highlights the inaccuracy and injustice of the reporting. This lack of transparency and the failure to provide evidence of verification demonstrates that the companies involved are not in compliance with the law.

Request for Action : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and truthful reporting of my credit accounts. These accounts are inaccurately marked as potentially negative, which is causing severe harm to my creditworthiness. The companies involved have failed to communicate or justify these negative reports, and I am requesting that they be fully investigated, corrected, and removed from my credit report immediately. 

I demand that the CFPB ensure these companies are held accountable for this misreporting and take the necessary steps to have these incorrect and harmful entries removed from my credit report without further delay. 

Please notify me when these actions have been taken and provide me with any additional steps I need to take. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief