Consumer complaint received 2025-08-06 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:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : Late Payment Law : According to FCRA section 609 ( c ) and Equal Credit Opportunity Act ( ECOA ), every consumer has the right to challenge and demand evidence of reported delinquencies. 
Story : My account suffered delays in payment due to unforeseen medical emergencies and temporary income loss beyond my control. Despite sincere attempts to communicate and resolve, the late payment was reported without accommodating my situation. This record unfairly penalizes me, and based on the law, I request review and rectification. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Issue : Late Payment Law : As per FCRA and FDCPA, all creditors must supply accurate, verifiable information upon dispute. 
Story : Payments for this account were delayed as I transitioned between employment and managed family health challenges. These circumstances were explained during my contact with the creditor, yet no consideration was shown. The ongoing impact on my credit profile is extremely unjust and I am invoking my rights for reevaluation and fairness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Issue : Late Payment Law : FCRA requires creditors to thoroughly investigate consumer disputes and provide verifiable documentation. 
Story : A financial setback caused temporary payment troubles. Efforts were made to contact the creditor and propose a solution, but my situation was ignored and reported negatively. Such rigid reporting violates my right to accurate financial portrayal and I petition for an immediate and fair review. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Issue : Charge Off Law : Fair Debt Collection Practices Act ( FDCPA ) mandates fair reporting, and charge-offs must be promptly validated and, if unresolved, accurately explained.

Story : This accounts status resulted from a mix-up in billing communications which was raised with the creditor. Despite repeated attempts at resolution, the charge-off was posted unfairly and contradicts my long history of responsible credit use. Under the law, I demand rectification. 

THE BUREAUS XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4700.00} Issue : Collection Law : The FCRA stipulates deletion of unverifiable or erroneously reported collections. 
Story : This collection arose from a billing error and failing to notify me of the outstanding balance. I have documentation proving timely payments. This collection is unjustified and the law protects me against such harmful misreporting. 

Unknown Account XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : Collection Law : Under FCRA section 611, consumers can challenge and demand deletion of unidentifiable or unauthorized accounts. 
Story : I have no knowledge or record of this account. Its unjust listing is possibly a result of identity theft or clerical error, violating my legal rights. Immediate investigation and deletion are required as per consumer law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off Law : The FDCPA and FCRA both require creditors to provide supporting evidence for all negative marks or else erase them. 
Story : This charged-off account reflects an incorrect status as my records show it was paid in full prior to listing. This erroneous entry is damaging my financial reputation and must be immediately rectified with official documentation as proof. 

XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} Issue : Charge Off Law : The FCRA prohibits incorrect or unverifiable charge-offs from damaging a consumers rating. 
Story : The charge-off occurred while I was undergoing bankruptcy proceedings which should have protected me from such reporting. Creditors failed to reflect the reality of the situation, thus I challenge this information for investigation and correction. 

XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Charge Off Law : Bankruptcy and hardship protection laws require accurate reporting consistent with legal records. 
Story : My genuine attempts to resolve this account were ignored by the creditor due to systemic barriers. Despite proving financial hardship and requesting revised payment plans, the charge-off negatively impacted my report, violating my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Issue : Charge Off Law : No creditor may report false, incomplete, or unverified charge-offs as per FCRA section 609.

Story : The account status is in dispute as transactions and outstanding balances were never accurately reconciled despite numerous communications with the lender. I am entitled to a reinvestigation and the removal of the adverse entry if my concerns are not fully addressed. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

Company response to consumer: Closed with non-monetary relief