Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I am submitting this complaint because my credit reports contain multiple inaccurate items, wrong addresses, unverifiable accounts, late payments, charge offs, and unauthorized inquiries. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( b ), 609 ( a ), 611, and 623. These inaccuracies are damaging my credit reputation, causing financial hardship, and preventing me from accessing fair credit opportunities. I respectfully request the Consumer Financial Protection Bureau to investigate these violations and require the credit bureaus and furnishers to correct or delete the inaccurate information listed below. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX Balance {$12000.00} Late Payment This account is being inaccurately reported with late payments. I have disputed these lates before but the furnishers have failed to provide proper validation. This is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ) because furnishers are reporting information they know or should know is inaccurate. This negative reporting is damaging my creditworthiness, resulting in higher interest rates and loan denials. Without proper documentation proving the accuracy of these late payments, they must be removed immediately under Section 611. These false lates make it look like I do not pay my bills on time, but in reality, I have made consistent payments and I have documentation that the creditor did not apply payments correctly. Because of these errors, I was recently denied a personal loan that I needed for emergency medical expenses, leaving me in financial hardship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX Balance {$63000.00} Charge Off This account is reported as a charge off, but this is materially inaccurate. The balance is not correct, the reporting is inconsistent, and the creditor failed to provide proper validation. Under FCRA Section 623 ( b ), furnishers are required to conduct a proper investigation when a dispute is filed, yet the information remains unverifiable and inaccurate. Misreporting a charge off when it is not valid is causing irreparable harm to my financial stability and is a violation of my rights. This false charge off is XXXX of the worst items on my report. It is blocking me from refinancing my home and has caused me to be denied for a credit card that could have helped me consolidate debt. It paints me as financially irresponsible when I actually paid on this account, and now I am being punished for inaccurate reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX Balance {$4200.00} Charge Off This account is reported as charged off inaccurately. The balance, dates, and payment history are not consistent with the actual account history. FCRA Section 607 ( b ) requires maximum possible accuracy, and Section 611 requires deletion of unverifiable data. The reporting of a charge off here is misleading, damaging, and must be corrected immediately. This account reporting as charged off is making my debt-to-income ratio look much worse than it really is. I was denied a rental apartment because of this reporting, leaving me and my family in an unstable housing situation, which has caused emotional distress. 
XXXX XXXX  XXXX. XXXX Inquiry Duplicate inquiry that is damaging my credit report. This inquiry is unauthorized, unverifiable, and unlawful under FCRA Section 607 ( b ). This duplicate makes my report look suspicious and hurts my chances of approval when underwriters review my application history. 
The wrong addresses, false late payments, charge offs, and unauthorized inquiries listed above are materially inaccurate and unverifiable. The furnishers and credit bureaus are in violation of their legal duties under the FCRA to maintain accuracy and conduct proper investigations. I am demanding immediate deletion of these items and written confirmation once corrected. If these violations are not addressed, I will pursue further legal action for willful noncompliance under FCRA Section 616 and negligent noncompliance under Section 617.

Company response to consumer: Closed with non-monetary relief