Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple errors and violations in my credit report maintained by Equifax. These include inaccurate reporting of late payments, charge-offs, collections, repossessions, and unauthorized or unverifiable inquiries. The accounts listed below violate various sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and I am requesting immediate investigation and correction or deletion. 


XXXX. Late Payments- XXXX XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX XXXX : XXXX XXXX or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX XXXX XXXX XXXX XXXX Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX  : XXXX XXXX or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX : XXXX XXXX or more late payments that are inaccurate or unverifiable. 
- XXXX  XXXX : Reporting one or more late payments that are inaccurate or unverifiable.

Violations : 15 USC 1666b, 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2 ( a ) ( 1 ) ( F ) 2. Charge-Off Accounts - FST Premier : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX XXXX  : Reported as charge-off with questionable accuracy, balance disputes, or no XXXX provided. 
- XXXX XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no XXXX provided. 
XXXX XXXX XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no XXXX provided. 
- XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided.

Violations : 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1692g 3. Collections- XXXX ( XXXX XXXX XXXX  ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
- XXXX XXXX XXXX ( XXXX ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
- XXXX XXXX ( XXXX XXXX XXXX  ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
- XXXX XXXX ( XXXX XXXX XXXX ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
Violations : 15 USC 1692g, 15 USC 1681e ( b ), 15 USC 1692e, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Charge-off with repossession status and inconsistent reporting across bureaus.

Violations : 15 USC 1681e ( b ), 15 USC 1681b ( a ) ( 2 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No associated open or approved account ; appears unauthorized. 
XXXX XXXX XXXX XXXXXXXX : No associated open or approved account ; appears unauthorized. 
XXXX XXXX : No associated open or approved account ; appears unauthorized. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX No associated open or approved account ; appears unauthorized. 
- XXXX XXXX XXXX XXXX XXXX : No associated open or approved account ; appears unauthorized. 
- XXXX : No associated open or approved account ; appears unauthorized. 
- XXXX XXXX XXXX XXXX : No associated open or approved account ; appears unauthorized.

Violations : 15 USC 1681b ( a ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a )

Company response to consumer: Closed with non-monetary relief