Consumer complaint received 2025-10-02 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 filing this complaint with the Consumer Financial Protection Bureau because my consumer rights have been violated under the Fair Credit Reporting Act and other applicable consumer protection laws. The credit bureaus and furnishers have failed to ensure the maximum possible accuracy of the information they are reporting, and the items below are inaccurate, incomplete, and must be corrected or deleted. I request that the CFPB intervene to ensure compliance with federal law and protect my rights as a consumer. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * This account is reported with late payments that are not accurate. I have disputed this before, but you have failed to provide any verifiable proof. Under FCRA 1681i, once a consumer disputes, you are obligated to reinvestigate. Reporting unverifiable late payments violates 607 ( b ), which requires maximum possible accuracy. Without original signed contracts, detailed payment history, and proof from the creditor, you can not continue to report these lates. Duplicate and misleading reporting of student loans is common, but it is unlawful when unverifiable. The FCRA requires deletion of unverifiable entries, not repetition of the same errors. Continuing to report these lates without proof is willful noncompliance. Such entries harm my creditworthiness and cause unjust damage. They give creditors a false impression of my payment history. No creditor has provided evidence to support these claims. The law requires fair and accurate reporting, yet this account is neither fair nor accurate. By keeping these false lates, you are in violation of federal law. I demand immediate deletion of all unverifiable derogatory entries tied to this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Late Payment * * This account also reports late payments without proof. Duplicate entries of student loans in multiple variations are unfair and misleading. Reporting the same debt multiple times violates the spirit of FCRA fairness and accuracy. Under 1681i, unverifiable derogatories must be deleted. You can not keep reporting lates without original documentation from the creditor. No signed contracts, no valid proof, and no payment breakdowns have been provided. Reporting unverifiable data is unlawful. Such reporting damages my score unfairly and paints a false picture of my payment history. Keeping duplicate entries is particularly misleading. This entry fails the FCRA requirement of maximum possible accuracy. If you can not prove with complete documentation, it must be deleted. Continuing to report it is reckless and unlawful. I demand removal of this unverifiable, duplicate, and damaging account entry immediately. 

XXXX XX/XX/XXXX Inquiry This inquiry was never authorized. Under FCRA 604, permissible purpose is required. No documentation exists proving my consent. Reporting unauthorized inquiries damages my file unfairly. Each inquiry lowers my score and misrepresents my behavior. Such reporting is unlawful. By law, unverifiable inquiries must be deleted. Keeping this inquiry is negligent and reckless. Continuing to report it after disputes is willful noncompliance. I demand its immediate removal. 

XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and unlawful. I never consented to this entity accessing my file. Under 604, permissible purpose is mandatory. Reporting unauthorized inquiries is a violation of my rights. Each inquiry lowers my score and damages my profile. No proof of my authorization exists. The FCRA requires deletion of unverifiable entries. Keeping this inquiry is negligent. After multiple disputes, failure to delete shows willful noncompliance. I demand immediate removal of this inquiry. 

I request that the CFPB investigate these violations immediately, compel the credit bureaus and furnishers to provide proper verification or delete the disputed information, and ensure that my rights under the Fair Credit Reporting Act are upheld.

Company response to consumer: Closed with non-monetary relief