Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear CFPB, I am submitting this formal complaint under my rights protected by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccurate, incomplete, and unauthorized entries on my credit report that are harming my financial reputation and opportunities. Despite my efforts to resolve these errors directly with the credit reporting agencies, these issues remain uncorrected. 
I request that CFPB investigate the following disputed accounts and inquiries, ensure their immediate verification, or direct their deletion if unverifiable. 
Wrong Addresses Reported XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Issue : Duplicate and false entry. 
Law : FCRA 1681c ( a ) Prohibition on obsolete and unverifiable information. 
Story : The fact that this incorrect address appears twice compounds the harm to my credit profile. Duplication not only creates confusion but also suggests that I may have multiple unresolved or undisclosed residences. Such data can flag my report for potential fraud or instability, both of which can result in credit denials or higher interest rates. 
Incorrect Account Information Capital XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$81.00} * * Issue : Inaccurate late payment reporting. 
Law : FCRA 1681s-2 ( a ) Prohibition on furnishing false data.

Story : This late payment entry is unverified and incorrect. I have maintained responsible financial behavior, and the alleged delinquency damages my payment history XXXX of the most important factors in credit scoring. This negative mark has already contributed to higher loan rates and credit rejections. Without proper documentation proving its accuracy, it must be removed to restore the integrity of my credit profile. 
Capital XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$100.00} * * Issue : Unverified late payment. 
Law : FCRA 1681e ( b ) & 1681s-2 ( b ) Accuracy and correction obligations. 
Story : My payment history is a key indicator for lenders. Reporting an incorrect late payment misrepresents my financial reliability. This falsehood affects not only my score but also my credibility when negotiating credit terms, applying for housing, or undergoing employment background checks. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : False late payment. 
Law : FCRA 1681s-2 ( a ) No furnishing inaccurate data.

Story : This error creates an unfounded image of me failing to meet obligations. It undermines my hard-earned credibility, which I have built through consistent, timely payments. The harm is not just numeric in my credit score but reputational, affecting how lenders perceive my trustworthiness. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Status : Late Payment * * Issue : This account contains late payment notations that are inaccurate and unverifiable. The reported dates do not align with my records. 
Law : FCRA 1681c ( a ) ( 5 ) prohibits outdated or incorrect derogatory information. Under 1681i, all disputed late payments must be verified with full payment history from the original creditor. 
Story : I dispute the accuracy of these late payment reports because I have not received any statement reflecting the alleged delinquencies. These negative marks appear to be the result of either clerical error or misreporting. Without concrete documentation proving the exact dates and amounts, reporting this as late is unlawful. Continued inclusion of unverifiable late payments creates financial harm and is in direct violation of federal consumer protection laws. 
Requested Action : I respectfully request that the CFPB : XXXX. Investigate each of the above accounts and inquiries. 
XXXX. Ensure that unverifiable accounts, late payments, charge-offs, and unauthorized inquiries are deleted from my credit report. 
XXXX. Confirm in writing that these actions have been completed. 
Failure to remove or correct these inaccurate entries constitutes a violation of federal law, and I reserve all rights to pursue remedies under FCRA 1681n and 1681o, including statutory damages, actual damages, and attorneys fees. 
Thank you for your prompt attention to this matter. I am including all supporting documentation I have regarding these accounts.

Company response to consumer: Closed with explanation