Consumer complaint received 2025-09-18 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: OH

Complaint narrative:
I am filing this complaint with the CFPB because I have identified multiple inaccuracies on my credit report that are harming my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting a full reinvestigation of the disputed address, account, and inquiry listed below. These errors are causing damage to my credit profile, and I am asking CFPB to ensure the credit reporting agencies and furnishers follow the law and correct these issues immediately. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$380.00} This account is reporting late payments that I believe are inaccurate and do not match my actual payment history. Under FCRA 611, you are required to conduct a reasonable investigation and verify this information directly with the furnisher using documented records. No original signed agreement or proof of late payment has ever been provided to me, making this reporting unverifiable and misleading. Inaccurate reporting of education loans also falls under FCRA Section 607 ( b ), which mandates maximum possible accuracy. I have always made timely arrangements with my student loan servicer, and the late payment status appears to be a reporting error. This entry is negatively impacting my creditworthiness and causing financial harm. Please remove or correct this reporting immediately if proper documentation can not be produced. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4700.00} This account has been marked with late payments that are not accurate. I request verification as required under FCRA 609 ( a ) ( 1 ), which entitles me to full disclosure of the information being reported. If the reporting party can not provide evidence of actual delinquency, this account must be updated to show a positive payment history. I have records that demonstrate my good faith efforts to stay current, and reporting otherwise creates a false representation of my credit behavior. Such inaccuracies harm my ability to obtain credit and violate my rights under FCRA Section 623 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting information they know or should know is inaccurate. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$380.00} The late payment reporting for this account appears to be incorrect. The FCRA requires consumer reporting agencies to ensure maximum accuracy and delete unverifiable information. No certified mail notice, billing statement, or other primary documentation showing the exact date and nature of delinquency has been provided. Because student loan accounts directly affect creditworthiness, inaccurate reporting can have significant negative consequences. I am requesting that this be investigated promptly and removed if it can not be fully substantiated with proof of late payments. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$7600.00} I am disputing the reported late payments for this account as they are not an accurate reflection of my payment behavior. As per FCRA Section 611, you must verify this information within 30 days and delete it if unverifiable. Student loan servicers are required to report accurately under FCRA Section 623, and any failure to update or correct errors violates federal law. I have never received a proper notice of delinquency, and the reporting appears to be in error. This is damaging my credit standing and must be corrected. 

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$5600.00} The late payment status on this account is incorrect and must be re-examined. I am entitled to a fair reinvestigation under FCRA Section 611 ( a ). Without original account records, statements, or proof of notice sent to me, the reporting is considered unverifiable. This type of error creates a false representation of my credit history and violates FCRA Section 607 ( b ) requiring maximum accuracy. Please delete or correct this information so my report accurately reflects my payment history. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$7500.00} This account is showing late payments that do not match my actual payment records. The FCRA gives me the right to dispute any item I believe to be inaccurate, and you must conduct a reasonable reinvestigation. If the furnisher can not produce verifiable documentation, this must be deleted. Inaccurate reporting of a federal student loan account affects my credit score and may result in unfair denials for housing or credit, which is why I demand this information be corrected immediately. 

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$5600.00} The late payment reporting is inaccurate and must be verified through proper documentation. If the servicer can not provide exact dates and proof of delinquency, then this account must be corrected to show a positive status. FCRA Section 611 and Section 623 ( a ) ( 1 ) ( A ) require accuracy and prohibit unverifiable reporting. Continued reporting without proof would constitute willful noncompliance and expose the bureau to liability under FCRA Section 616.

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1000.00} This account is reporting late payments inaccurately. The law requires a reasonable investigation and deletion of any data that can not be verified. I am formally disputing this entry and requesting that you contact the furnisher for original documentation. If no proof is available, this information must be deleted immediately. The presence of this error causes undue harm to my credit profile. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$6300.00} The late payment status reported here is not accurate. I request a full reinvestigation and verification under FCRA Section 611. Any unverifiable information must be promptly deleted. Reporting inaccurate information is a direct violation of FCRA Section 607 ( b ), which mandates maximum possible accuracy. Please ensure my credit report is updated to reflect correct and fair information. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3500.00} The late payment entries for this account are incorrect and damaging my credit reputation. I have not been provided with any proof of delinquency, billing statements, or signed agreements that validate these reports. I am exercising my rights under FCRA Section 611 to request a reinvestigation and correction of this information. If no evidence is provided, this data must be deleted to comply with federal law. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Late Payment This account is reporting late payments that are harming my credit standing. I request validation under FCRA Section 609 to confirm the dates and amounts of these alleged delinquencies with proper documentation from the original creditor. If your records can not produce a signed agreement and a complete payment history proving that the reported late payments are accurate, then this reporting is considered unverifiable and must be removed under FCRA Section 611 ( a ) ( 5 ). Reporting unverifiable information is a violation of my consumer rights and damages my ability to obtain fair credit opportunities. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Late Payment This account shows late payments, which I dispute as inaccurate and misleading. The FCRA requires maximum possible accuracy, and without verifiable proof of delinquency, this is a direct violation of Section 607 ( b ). I demand you contact the furnisher and obtain the full payment history and documentation, not merely data from a database. Failure to produce verifiable documentation within 30 days obligates you to delete the disputed information according to Section 611 of the FCRA. 

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late Payment This entry is harming my score by reflecting inaccurate payment history. As a consumer, I am entitled to a reasonable reinvestigation under FCRA Section 611 ( a ). If you can not furnish clear evidence of the dates and amounts of these alleged delinquencies, they must be removed as unverifiable. Continuing to report inaccurate late payments knowingly can also be considered a violation of Section 623 of the FCRA, which prohibits furnishers from reporting false or unverifiable information. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Late Payment This account appears duplicative and contains inaccurate late payment reporting. Duplicate or unverifiable reporting is misleading and creates an unfair negative impact. I request that you validate this account by providing full documentation from the original creditor per FCRA Section 609 ( a ) ( 1 ). If you can not validate this entry with accurate evidence, please delete it immediately under Section 611 ( a ) ( 5 ). 

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Late Payment This reporting negatively affects my creditworthiness and is disputed. According to the FCRA, you are required to maintain only accurate, fair, and verifiable information. Please reinvestigate this account and provide copies of the original promissory note and payment history that proves the dates of the alleged delinquencies. If this can not be verified, you must remove the reporting per federal law. 

DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} Late Payment This is a very recent account showing late payments that are not accurate. It is my right under FCRA Section 611 ( a ) to have this investigated thoroughly. If the creditor can not provide signed documents and proof of payment dates showing these late payments are correct, this record must be deleted immediately. Continuing to report unverifiable late payments will be treated as willful noncompliance with the FCRA. 

XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Collection This account is being reported as a collection, but there is no proof that this account is valid, accurate, or legally owed by me. Under FCRA Section 609 and 611, you are required to maintain reasonable procedures to assure maximum possible accuracy. I have never received proper validation or itemized statements proving this debt, and I dispute its reporting. Reporting this account as a collection without proper investigation is damaging to my credit standing, causing harm and preventing me from obtaining fair credit. Please conduct a full reinvestigation and delete if the furnisher can not provide signed agreements and detailed payment history proving its validity. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Collection This medical collection is not being reported accurately and fails to meet the standards set by the FCRA and the CFPBs guidelines on medical debt reporting. I have not been provided with HIPAA-compliant documentation or evidence of my responsibility for this balance. Reporting this as a collection without verifying the original contract or providing me with full billing records is a violation of my rights under FCRA Section 611. This reporting is misleading and is negatively impacting my ability to secure housing and credit. I am requesting an immediate reinvestigation and removal if this account can not be verified with full documentation directly from the original provider. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account shows late payment history that is not supported by accurate records. FCRA Section 607 ( b ) requires the credit bureau to assure maximum possible accuracy, yet this account is damaging my payment history unfairly. There is no reason for a derogatory mark to remain for an account with a {$0.00} balance and no current delinquency. The reporting of a late payment beyond its allowable reporting period or without verifiable proof of delinquency is a direct violation of my rights and must be removed. Please reinvestigate and delete this inaccurate payment history from my file immediately. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Charge Off This charge-off is reported inaccurately and is not fully substantiated by the furnisher. Under FCRA Section 611, I have the right to dispute any account that can not be verified, and the bureau must delete any unverifiable information. I have never been provided with proper documentation, signed agreement, or accounting of how the charge-off balance was calculated. This reporting is unfair, misleading, and has caused serious financial harm by lowering my credit score and limiting my access to credit. Please verify this account with complete documentation, or delete it from my credit report immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account is being reported with a late payment even though the balance is {$0.00} and should not reflect any delinquency. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers can not report information they know or should know is inaccurate. Reporting a late payment on a {$0.00} balance creates a misleading impression of delinquency and damages my creditworthiness. Please conduct a reinvestigation and obtain original documentation proving that the late payment occurred on the date you are reporting ; otherwise, delete this item from my file immediately. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account is also showing a late payment despite reporting a {$0.00} balance. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information that appears incomplete or inaccurate, and the credit bureau must perform a reasonable reinvestigation. A {$0.00} balance account should not continue to reflect derogatory information that has no factual basis. I am requesting verification with full payment history and supporting evidence ; otherwise, remove the late payment from my report. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Charge-Off This account is being reported as a charge-off, which is severely damaging to my credit. Under FCRA 623 ( b ), furnishers are required to investigate disputes and correct any inaccurate or unverifiable data. I have not received any notice of default or validation of debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). If the furnisher or collector can not provide original signed documentation proving this debt was validly charged off, it must be removed. 

XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Collection This account is reported as a collection and negatively impacts my credit score. Under FCRA 607 ( b ), credit reporting agencies must maintain maximum possible accuracy. I have never been provided a validation of this debt per FDCPA 809 ( b ). Unless the original creditor or collector can produce detailed records, including billing statements and a notice of debt validation sent to me, this collection must be deleted. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Collection This reported collection is also disputed. Under FCRA 611 ( a ) ( 5 ), unverified information must be deleted from the credit file within 30 days of dispute resolution. I have not received any legally required documentation proving this debt is mine, nor was I notified in writing prior to reporting. Continued reporting without verification violates both FCRA and FDCPA. Please confirm with the data furnisher and remove this item if no verification can be provided. 

I am asking CFPB to enforce my rights under the Fair Credit Reporting Act and ensure the credit bureaus and furnishers correct these violations by removing the false address, deleting or correcting the inaccurate account, and removing the unauthorized inquiry. If the furnishers can not provide verifiable proof within the time allowed by law, these items must be permanently deleted.

Company response to consumer: Closed with non-monetary relief