Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXXXXXX XXXX XXXX Late Payment * * Law Issue : FCRA 607 ( b ) and 611 require accuracy and prompt reinvestigation Story : I was enrolled in forbearance during this period, so any reported delinquency is inaccurate Request : Remove the late payment and update the account history accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Law Issue : FCRA 607 ( b ) and 602A for fair and equitable treatment Story : This loan was paid and closed without delinquency ; the late payment is incorrect Request : Remove the late payment history for accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) Late Payment * * Law Issue : FCRA 607 ( b ), inaccurate account history harms my score Story : I have evidence of timely payments during the months flagged as late Request : Please reinvestigate and correct the payment history XXXXXXXX XXXX XXXX XXXX XXXX  Chargeoff * * Law Issue : FCRA 611 and FDCPA 807 ( 8 ) prohibit reporting of outdated or unverifiable debt Story : This account was settled and should not appear as a charge-off Request : Remove the charge-off notation and update the tradeline accordingly XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) Late Payment * * Law Issue : FCRA XXXX ( b ) and XXXX for maximum possible accuracy Story : This is a duplicate listing of an earlier XXXX  XXXX account and inaccurately shows late payment Request : Remove the inaccurate reporting and investigate for duplication XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff * * Law Issue : FDCPA 807 and FCRA 609 ( a ) ( 1 ) require validation of debt Story : I requested validation from the creditor and received none. This item remains unverified Request : Remove this charge-off if the account can not be validated XXXX XXXX XXXXXXXX XXXX XXXX * * Law Issue : FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ) require validation upon request Story : I never received notice of this collection, and no documentation supports it Request : Please delete this collection for lack of verification XXXX  XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ), unauthorized inquiry Story : I never consented to this credit check Request : Delete this inquiry These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief