Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I am writing to file a formal complaint against multiple creditors and furnishers of information who have failed to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, resulting in serious harm to my creditworthiness and financial stability.

Under FCRA 609 ( a ) ( 1 ), I have the legal right to full verification of all reported accounts, and under FCRA 611, I have the right to dispute and demand a reinvestigation of inaccurate, incomplete, or unverifiable items. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know, or should know, is inaccurate. Despite these protections, the following accounts remain improperly reported on my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Status : Late Payment This account is being reported with a history of late payments without proper validation. The creditor has failed to provide me with full account-level documentation proving the accuracy of these reported delinquencies. Reporting unverifiable or incomplete data is a direct violation of FCRA 623. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18.00} Reported Status : Late Payment This furnisher is reporting late payments on a negligible balance without providing proper notice, documentation, or proof of accuracy. Such reporting is misleading and creates a materially unfair impression of my creditworthiness, in violation of FCRA 607 ( b ), which requires maximum possible accuracy. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Status : Late Payment This account reports a {$0.00} balance, yet still reflects negative late payment history. This is illogical, misleading, and constitutes willful harm under FCRA 623 ( a ) ( 1 ), as no consumer should be penalized for a fully paid account. Continuing to report derogatory remarks after the balance has been cleared is both unfair and damaging. 

XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Reported Status : Collection This collection account lacks full validation. Under FDCPA 809 ( b ), I requested debt validation, but no sufficient proof has been provided to confirm its legitimacy. Reporting and attempting to collect without proper validation is a violation of federal law. 

Summary of Harm : Due to these inaccurate and unverified reports, I have suffered severe financial harm, including denials of credit opportunities, higher interest rates, and emotional distress. These furnishers and collectors have violated my rights under the FCRA and FDCPA, and their negligence continues to cause ongoing damage.

Requested Resolution : Immediate deletion of all inaccurate, unverifiable, or misleading negative information from my credit reports. 

A full investigation and enforcement action against the creditors and collectors for failing to comply with federal law. 

Written confirmation of corrective actions taken.

Company response to consumer: Closed with non-monetary relief