Consumer complaint received 2025-10-10 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: PA

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding inaccurate and unverified accounts that are being reported to my credit file by the following creditors. These items are damaging my creditworthiness, and despite my prior disputes, the furnishers have failed to provide proper verification or remove the inaccurate data as required under federal law. 

XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Incorrect and not associated with me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Incorrect and unrelated to any residence I have occupied. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX This address does not belong to me, nor have I ever resided there. 
XXXX XXXX XXXX, XXXX, RI XXXX Completely false and never associated with my personal or financial records.

These addresses are damaging and misleading. Under FCRA Section 609 ( A ), I have the right to know what information is being reported about me and from where it originated. I am demanding a complete reinvestigation and immediate deletion of these false addresses from all consumer reporting agencies, including XXXX, Equifax, and XXXX.

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment This account is inaccurately showing late payments. I have never been late on this account. The Department of Education and its servicers are required under FCRA Section 623 ( A ) to report accurate and verifiable data. This late payment information is false and is harming my credibility.

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment This account history is completely i

ncorrect. I have made consistent, timely payments, and there is no record of delinquency that can be verified through legitimate documentation. DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment This account also reflects a false late payment notation. The servicers reporting is inaccurate and inconsistent with my actual payment record.

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment This late payment reporting is untrue. I have proof of timely transactions and consistent payment activity. This reporting violates FCRA 607 ( B ), which mandates the utmost accuracy in credit data.

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment This record has been carelessly and inaccurately submitted. It has caused significant and unfair harm to my credit rating, leading to denials of financial opportunities.

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment The reporting of late payments here is entirely false. This is a pattern of negligent reporting that demonstrates the servicers failure to comply with federal law and consumer protection regulations.

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment This account is being reported inaccurately with late payments. I have never made any late payments, and there is no verifiable proof to support these claims. This false information violates FCRA 607 ( B ), which requires data furnishers to maintain the highest level of accuracy.

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment The late payment status reported on this account is untrue. I demand that the reporting agency and XXXX  conduct a proper reinvestigation under FCRA 611 ( A ) and provide verified proof of any alleged delinquency, or immediately correct the reporting.

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment This record is another example of false reporting by XXXX. I have never failed to make on-time payments, and this false history is damaging my creditworthiness, causing me financial harm and emotional distress.

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment The late payment information listed here is inaccurate and unsubstantiated. The servicer is in direct violation of FCRA 623 ( A ) ( 1 ) ( A ), which prohibits the reporting of data known or believed to be inaccurate. I am demanding immediate correction.

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment I have consistently made timely payments on this account. Any reported delinquency is entirely false and must be removed. The repeated appearance of false late designations across multiple XXXX  accounts demonstrates systemic negligence in reporting. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment This account is being reported as having late payments, which is false. This small balance account was never delinquent. XXXX XXXX  is in violation of FCRA 607 ( B ) for reporting inaccurate information and FCRA 623 ( A ) for failing to ensure completeness and accuracy before furnishing data. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment XXXX XXXX XXXX has falsely reported this account as late, despite my history of timely payments. This false reporting has directly impacted my credit score and has caused loan denials and higher credit costs. Under FCRA 611, I am requesting a full reinvestigation and immediate correction of this account. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : False Collection Account I have no knowledge or association with this alleged debt. I have never had any dealings or agreements with XXXX XXXX XXXX. This collection entry is entirely inaccurate, unverifiable, and must be deleted immediately under FCRA 611 ( A ) and 623 ( A ) ( 1 ) ( A ). Furnishers are legally prohibited from reporting accounts that can not be fully verified. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXIssue : Reported Late Payment This account is being reported as having late payments, which is completely inaccurate. I have never been late on this account, and XXXX XXXX XXXX XXXX has failed to provide any verification of delinquency. Reporting a late payment when the balance is XXXX is contradictory and constitutes negligence under FCRA 607 ( B ). I demand immediate correction to reflect an accurate payment history.

UNAUTHORIZED OR UNVERIFIED HARD INQUIRIES : The following inquiries have been listed on my credit report without my authorization or legitimate consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( a ), no entity is allowed to access or pull a consumers credit report without a permissible purpose. These inquiries were made without my knowledge or approval and must be deleted immediately. 
XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize any of these companies to access my credit file. Each inquiry has lowered my credit score and has negatively impacted my financial opportunities. These are clear violations of FCRA 604 ( f ), which prohibits obtaining consumer credit reports without express consent or a permissible purpose. Each inquiry must be fully investigated and deleted from all credit reporting agencies ( XXXX, Equifax, and XXXX  ). 
Legal Basis and Requested Action These inaccurate reports constitute clear violations of the Fair Credit Reporting Act ( FCRA ), specifically : Section 602 ( A ) Accuracy and fairness in credit reporting.

Section 611 Duty of consumer reporting agencies to investigate disputed information.

Section 623 ( a ) ( 1 ) ( A ) Duty of furnishers to provide accurate information.

15 U.S.C. 1681i ( a ) ( 5 ) Requirement to delete unverifiable information.

I request that the CFPB open a full investigation into these accounts, ensure that both XXXX XXXX XXXX and XXXX XXXX comply with federal law, and confirm removal of all unverified and inaccurate entries from my credit file.

Additionally, I am requesting written confirmation that an investigation has been completed and documentation showing the results and any corrective actions taken.

Company response to consumer: Closed with explanation