Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
To Consumer Financial Protection Bureau I am submitting this complaint because multiple creditors and consumer reporting agencies are reporting inaccurate and harmful information on my credit file that violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and has caused me significant damage I have made good faith attempts to resolve these issues directly but I continue to be harmed by incorrect addresses unauthorized credit inquiries and inaccurate reporting of accounts I request immediate investigation and enforcement action to ensure my rights are protected XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} Issue : Late Payment Law : FCRA 1681s-2, 1681i Story : This account reflects a late payment that I dispute. I experienced a temporary financial hardship during the time in question and reached out for a payment arrangement, which was acknowledged but never updated on the report. Instead, a derogatory status was added, ignoring my efforts. This violates my rights as a consumer and unfairly damages my payment history XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Issue : Late Payment Law : FCRA 1681s-2 ( b ), 1681e ( b ) Story : This account was impacted by technical issues in my online banking system. Payments were made but processed late due to systemic issues. I provided documentation, yet the creditor refused to reinvestigate. The reporting is unfair and incomplete, harming my credibility as a borrower XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Issue : Charge Off Law : FCRA 1681s-2, 1681b Story : This charge-off is being reported while the account was actively in dispute and under review for fraudulent activity. I submitted fraud documentation and affidavits, but the bank ignored these communications. Reporting it as charged-off while in active dispute is misleading and in bad faith XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b Story : No application or credit transaction was initiated by me with XXXX  XXXX on this date. The inquiry is unauthorized, unexplained, and has adversely affected my score These repeated violations of my consumer rights have resulted in credit denials higher interest rates and emotional stress I have made multiple attempts to contact the reporting entities but they have failed to act in good faith or provide proof of permissible purpose or verification I request the CFPB investigate each of the above items enforce accountability and compel the involved parties to delete or correct the disputed entries according to FCRA 1681i and 1681s-2 I am also requesting punitive action for any willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o I am attaching a copy of my ID proof of current address and credit reports for reference Thank you for protecting consumers like me

Company response to consumer: Closed with non-monetary relief