Consumer complaint received 2025-09-26 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: NM

Complaint narrative:
I am filing this complaint because my credit report is reporting inaccurate and misleading information that has harmed my creditworthiness and financial stability. These accounts are reporting in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The information below outlines the specific accounts in dispute along with account numbers, balance amounts, and the related violations. Each account continues to report incorrect late payments and charge-off status that do not reflect accurate or verifiable records. I am requesting the CFPB to enforce my rights under federal law and require the credit reporting agencies and furnishers to conduct a proper reinvestigation and remove these inaccurate items immediately. 

Account : XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$1800.00} Late Payment * * I dispute the late payments reported on this account. According to FCRA Section 609 ( a ) ( 1 ), I am entitled to obtain verification of all reported information. I never received any formal notice of delinquency or a billing statement indicating a past due amount. The reported late payments are inconsistent with my personal payment records and bank statements. I have documentation showing timely monthly payments were made and applied correctly. These inaccurate late payments have caused my credit score to drop unfairly. Under FCRA Section 611 ( a ) ( 1 ), the credit bureau must conduct a reasonable reinvestigation to verify accuracy with the creditor. If XXXX can not produce verified, original documentation showing the late payments, these entries must be deleted. Reporting unverifiable information violates FCRA Section 623 ( a ) ( 1 ). The continued presence of these entries damages my financial reputation and access to credit. I request a detailed response including copies of all verified statements, ledger balances, and supporting correspondence. Any failure to provide this documentation is a violation of federal law. These inaccuracies are misleading and materially harmful. I demand that corrective action be taken immediately to remove these late payments and restore my credit profile accurately. 

Account : XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$3800.00} Late Payment * * This account contains erroneous late payment entries. Under FCRA Sections 609 and 611, I have the right to dispute information that I believe is incomplete or inaccurate. My personal payment history demonstrates timely payments, and no late payment events occurred as reported. The creditor has failed to provide proof of delinquency. In accordance with FCRA Section 623 ( a ) ( 1 ), furnishers must report only complete and accurate information. Reporting unverified late payments constitutes a violation of federal law. I demand the credit bureau conduct a full reinvestigation, contacting XXXX to validate the reported negative information. Documentation required must include account statements, payment confirmations, and proof of any claimed past-due balances. The presence of unverifiable late payments has harmed my creditworthiness and limited access to loans and credit lines. FCRA Section 611 mandates deletion of information that can not be verified. I request a detailed reinvestigation report and immediate removal of inaccurate entries. The impact of these inaccuracies is substantial, affecting my ability to obtain fair credit. I expect compliance with federal law and correction of all discrepancies. My legal rights under FCRA Sections 609, 611, and 623 are fully reserved. 

Account : XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2020 Balance Owed : {$3700.00} Late Payment * * I dispute the reporting of late payments on this account. I have reviewed all my payment records, and they clearly show that all payments were made on time. According to FCRA Section 609 ( a ) ( 1 ), I am entitled to verification of any reported information. FCRA Section 611 requires the credit bureau to conduct a reasonable reinvestigation of disputed entries. The continued reporting of unverified late payments is materially misleading and harmful to my financial reputation. The creditor has not supplied documentation proving the late payments. According to FCRA Section 623, furnishers must provide only accurate information to credit reporting agencies. The ongoing negative reporting has directly caused a decrease in my credit score and access to credit. I request that the bureau contact XXXX, obtain proof, and provide a detailed response including all relevant statements and payment histories. Any unverifiable or inaccurate information must be deleted immediately. Failure to comply violates my rights under federal law. The reporting of these late payments is damaging and unjust. I request removal and correction of these entries and a written confirmation of deletion. I also request documentation of the reinvestigation process and outcome for my records. 

I respectfully request the CFPB to step in and require the credit bureaus and furnishers to conduct a lawful and thorough reinvestigation, to delete or correct the inaccurate reporting, and to ensure my consumer rights are upheld under the FCRA and FDCPA.

Company response to consumer: Closed with explanation