Consumer complaint received 2025-08-30 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: IN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to bring to your urgent attention the serious harm being caused to me by inaccurate, unverifiable, and misleading accounts being reported on my credit profile. These accounts are not only false but also damaging my ability to obtain fair housing, employment opportunities, and financial stability. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit bureaus and furnishers have a legal duty to ensure maximum possible accuracy of the information they report. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Billing Act ( FCBA ), I am entitled to fair, accurate, and verifiable reporting. The furnishers and credit reporting agencies have failed to comply with these obligations. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This account is reported with late payments despite showing a balance of {$0.00} which is contradictory. Reporting a {$0.00} balance yet maintaining derogatory late payment marks is misleading and creates an inaccurate portrayal of my payment history. Under FCRA 1681i ( a ), inaccurate and unverifiable information must be deleted if the furnisher can not provide concrete proof such as original signed agreements, complete payment history, and billing statements. Continued reporting of this false negative history is willful noncompliance under FCRA 616.

Because of this false reporting, I was unfairly denied approval for a small personal loan that I urgently needed for emergency medical expenses. I also faced embarrassment when a potential landlord reviewed my credit report and raised concerns about my payment reliability even though this account shows no balance owed. This false late payment mark has directly caused me financial harm and XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Collection * * This account is reported as a collection but does not contain any validation or evidence of ownership of debt. Without contractual proof or evidence of assignment, the collection is invalid. The reporting of a {$0.00} balance yet keeping it active as a derogatory mark is deceptive. Under FCRA 611 and FDCPA 809 ( b ), the bureau and collector must delete unverifiable information.

This entry has harmed my ability to secure fair insurance ra

tes, as insurers often use credit history in underwriting decisions. I have been forced to pay higher premiums because of this false derogatory reporting. Conclusion : Each of these accounts is inaccurate, unverifiable, and harmful. The continued reporting of false, duplicate, or contradictory information is a direct violation of FCRA, FDCPA, and FCBA. I am demanding that the CFPB investigate these violations and hold the furnishers and credit bureaus accountable. I request the immediate deletion of these accounts unless the furnishers can provide full and complete validation with original signed agreements, billing records, and proof of liability. If not corrected, I am prepared to pursue all available remedies under FCRA 616617 for damages caused.

Company response to consumer: Closed with non-monetary relief